FI number
The savings you need so that your investments can cover your spending for the rest of your life.
A first estimate is yearly spending divided by a withdrawal rate, for example 25 times spending at 4 %. Swiss pensions lower the amount you need once they start, but you still need enough accessible money for the bridge years before them.
Tools that use it
Related terms
- Safe withdrawal rateThe share of your savings you can spend in the first year of retirement, then adjust for inflation, without running out.
- 4 % ruleA rule of thumb that you can spend 4 % of your savings in year one and adjust for inflation, and the money has historically lasted 30 years.
- Bridge periodThe years between stopping work and the start of pensions and locked savings, paid from accessible money.
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The numbers
Your FIRE number: how much is enough in Switzerland?
Multiply yearly spending by 25 to 30 for a first answer, then adjust for AHV, pension fund and Pillar 3a. A table in francs and the Swiss twist.