Retirement & FIRE Calculator
Enter your age, savings, monthly investing and expected spending to see your retirement number, whether you're on track, and when you could be financially independent.
Free • No sign-up • Instant results
The common rule of thumb is 4% a year
Your retirement number
5,561,832 AED
Projected savings at age 55: 2,716,486 AED
How it works
The 4% rule
Historically, withdrawing about 4% of a balanced portfolio each year has rarely run out over 30 years. So your target is roughly 25 times your annual spending.
Why expats need a plan
Most Gulf expats don't build a state pension, and gratuity is usually far less than what retirement costs. Your own investments have to do the heavy lifting.
Frequently asked questions
What is FIRE?
Financial Independence, Retire Early: building investments large enough that their returns cover your living costs, so work becomes optional.
What return should I assume?
5–8% a year is a reasonable long-term assumption for a diversified portfolio. Higher returns come with higher risk.