🇨🇭 CH · figures as of 2026-06
Career Decisions

FIRE Calculator

Calculate your FIRE number, years to financial independence, and how AHV/AVS pension changes your target. Based on the 4% safe withdrawal rate from the Trinity Study.

Your Situation
CHF

Most retirees spend CHF40k–CHF80k/yr · include healthcare

CHF

pillar 2/3a, pillar 3b, taxable investments combined

CHF

Include pillar 2 (occupational) contributions

7% = historical stock real return · 5% = balanced

AHV/AVS pension & Adjustments
CHF

4% classic rule · 3.5% for 40+ yr retirements

Your FIRE Number

—
at 4% withdrawal rate
Now FIRE target

FIRE Scenarios & Projections

Data sources & methodology: FIRE number = annual expenses ÷ withdrawal rate. Years to FIRE computed by projecting portfolio growth at stated real return until it exceeds the FIRE number. AHV/AVS pension reduces the FIRE number by capitalizing that annual income. Based on the Trinity Study (Bengen 1994) and subsequent research. Past market returns do not guarantee future results. See how your contributions grow with our compound interest calculator, or read how to bridge to pension-access age if you plan to retire early. Disclaimer →

Free AI Analysis

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Data reference (Switzerland): AHV (1st pillar) 2026: max CHF 2,520/mo, min CHF 1,260/mo for a full contribution record · figures as of 2026-06 · Compiled from official public sources via AI-assisted research, current to 2025-26; latest available data, not individually verified - general information, not advice.. See our methodology for how every figure is sourced and dated.

🔒 Calculations run 100% in your browser — we never see your numbers 📊 Built on primary-source data (see references above) 🔄 Reviewed 2026 · methodology · disclaimer