FIRE Calculator
Calculate your Financial Independence number — Lean, Standard, and Fat FIRE — and see whether your savings are on track to retire early. Figures are illustrative only.
Monthly Expenses at FIRE Age
₦1,627,412
Growth on Current Savings
₦9,356,334New Contributions Growth
₦67,686,309An illustration using the figures you entered, for education only — not financial, investment or tax advice. Real returns depend on prices, fees and tax at the time.
FIRE Number Formula
FIRE Number = (Annual Expenses × Multiplier) ÷ SWRInflation-adjusted monthly expenses at FIRE age × 12
0.5 (Lean) · 1.0 (Standard) · 2.0 (Fat)
Safe Withdrawal Rate (e.g. 4% = 0.04) — the % of the portfolio you withdraw annually
Questions
Frequently Asked Questions
Then what
Turn the numbers into a plan
Model the outcome here, then let Shares Saver buy NGX-listed shares with the monthly amount — registered in your name, from ₦10,000 a month.
Best way to start investing with a small amount
How to begin investing consistently without waiting for a lump sum.
ReadHow to buy shares in Nigeria
A step-by-step walkthrough for first-time investors.
ReadHow dividends work in Nigerian stocks
How dividend income fits into long-term wealth building.
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