Understand your next decision.

• Withdrawal rate Which withdrawal rate is sensible? Guide →

FIRE and early retirement

• Types of FIRE How do FIRE, Coast FIRE and Barista FIRE differ? Guide →

Worked examples

• 4 percent rule How does the four-percent rule change after German tax? Worked example →
• €2,000 a month in retirement What portfolio supports a first €2,000 monthly withdrawal? Worked example →

• Overpaying versus investing Is paying off the mortgage faster better than investing? Guide →

• ETF savings plan How does an ETF savings plan work, and what does it cost? Guide →
• MSCI World vs S&P 500 What is inside S&P 500, MSCI World and FTSE All-World? Guide →
• 70/30 portfolio What does a 70/30 World–Emerging Markets portfolio change? Guide →
• Methodology What do these projections include – and leave out? Methodology →

Worked examples

• Savings account and inflation What is €50,000 of zero-interest cash worth in 20 years? Worked example →

• Emergency fund How big should an emergency fund be, and do debts come first? Guide →