{"id":4818,"date":"2026-11-02T12:45:10","date_gmt":"2026-11-02T12:45:10","guid":{"rendered":"https:\/\/wpcalc.com\/de\/finanzen\/fire-rechner-coast-fire\/"},"modified":"2026-11-02T12:45:10","modified_gmt":"2026-11-02T12:45:10","slug":"fire-rechner-coast-fire","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/de\/finanzen\/fire-rechner-coast-fire\/","title":{"rendered":"FIRE-Rechner \u2013 Coast FIRE und Verm\u00f6gen f\u00fcr den Ruhestand"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">FIRE-Zahl und Zeit bis zum Ruhestand ermitteln<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4818\" data-favorite-title=\"FIRE\" data-favorite-url=\"https:\/\/wpcalc.com\/de\/finanzen\/fire-rechner-coast-fire\/\" data-favorite-excerpt=\"Sch\u00e4tzen Sie Ihre FIRE-Zahl und die Zielwerte f\u00fcr Lean FIRE, Fat FIRE und Coast FIRE. Erfahren Sie, wie viele Jahre Sie daf\u00fcr voraussichtlich brauchen und in welchem Alter Sie finanziell unabh\u00e4ngig sein k\u00f6nnen. Geben Sie Ihr Erspartes, Ihre Ausgaben, die erwartete Rendite und die sichere Entnahmerate ein.\" aria-label=\"Zu Favoriten hinzuf\u00fcgen\" data-favorite-icon=\"icon icon-investment\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/de\/finanzen\/fire-rechner-coast-fire\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4818\" data-post=\"4818\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Eingabefelder<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Aktuelles Alter<\/label><input type=\"text\" name=\"aktuelles_alter\" id=\"field-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"18\" max=\"80\" value=\"30\"\/><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Derzeit angelegtes Verm\u00f6gen<\/label><input type=\"text\" name=\"derzeit_angelegtes_vermgen\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"50000\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><small id=\"calc-info-2\">Bereits f\u00fcr den Ruhestand oder in Wertpapierdepots angelegtes Geld \u2013 kein Bargeld, Immobilienverm\u00f6gen oder andere Verm\u00f6genswerte.<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">J\u00e4hrliches Nettoeinkommen<\/label><input type=\"text\" name=\"jhrliches_nettoeinkommen\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"80000\"\/><div class=\"unit\" id=\"calc-unit-3\">$\/Jahr<\/div><small id=\"calc-info-3\">Ihr Einkommen nach Steuern. Daraus wird die Sparquote berechnet.<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">J\u00e4hrliche Ausgaben<\/label><input type=\"text\" name=\"jhrliche_ausgaben\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"40000\"\/><div class=\"unit\" id=\"calc-unit-4\">$\/Jahr<\/div><small id=\"calc-info-4\">Der Betrag, den Sie im Ruhestand pro Jahr ausgeben m\u00f6chten. Er bestimmt Ihre FIRE-Zahl.<\/small><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">J\u00e4hrliche Sparleistung<\/label><div class=\"field-group\"><input type=\"text\" name=\"jhrliche_sparleistung\" id=\"field-5\" aria-describedby=\"calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"20000\"\/><div class=\"grid grid-cols-1\"><select id=\"field-6\" name=\"eingabeart\" aria-label=\"Eingabeart\"><option value=\"usd\" selected>$ pro Jahr<\/option><option value=\"pct\">% des Einkommens<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><small id=\"calc-info-5\">Der Betrag, den Sie jedes Jahr zus\u00e4tzlich anlegen.<\/small><\/div><div class=\"field has-term\" id=\"input-6\"><label for=\"field-7\">Erwartete reale Rendite<\/label><div class=\"term\">r<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"erwartete_reale_rendite\" id=\"field-7\" aria-describedby=\"calc-unit-7 calc-info-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"15\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-7\">%<\/div><small id=\"calc-info-7\">J\u00e4hrliche Rendite nach Abzug der Inflation. Weltweite Aktien haben langfristig eine reale Rendite von etwa 5\u20137 % pro Jahr erzielt.<\/small><\/div><div class=\"field has-term\" id=\"input-7\"><label for=\"field-8\">Sichere Entnahmerate<\/label><div class=\"term\">SWR<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"sichere_entnahmerate\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.1\" max=\"25\" value=\"4\"\/><div class=\"unit\" id=\"calc-unit-8\">%<\/div><small id=\"calc-info-8\">Anteil des Portfolios, den Sie j\u00e4hrlich entnehmen k\u00f6nnen. FIRE-Zahl = j\u00e4hrliche Ausgaben \u00f7 sichere Entnahmerate; 4 % gelten als klassische Faustregel.<\/small><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-9\">Zielalter f\u00fcr Coast FIRE<\/label><input type=\"text\" name=\"zielalter_fr_coast_fire\" id=\"field-9\" aria-describedby=\"calc-info-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"19\" max=\"95\" value=\"50\"\/><small id=\"calc-info-9\">Coast-FIRE-Zahl = FIRE-Zahl \u00f7 (1+r)^(Zielalter \u2212 aktuelles Alter): So viel m\u00fcssten Sie heute angelegt haben, damit Ihr Verm\u00f6gen ohne weitere Einzahlungen bis zu diesem Alter auf Ihre FIRE-Zahl anw\u00e4chst.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Neu berechnen\" id=\"calculate-button\" data-post=\"4818\">Berechnen<\/button><button type=\"reset\">Zur\u00fccksetzen<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Automatisch berechnen<\/label><small>Wenn aktiviert, wird das Ergebnis automatisch aktualisiert, sobald Sie einen Wert \u00e4ndern.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Ihr FIRE-Plan<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>FIRE-Zahl (Kapitalbedarf im Ruhestand)<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Jahre bis FIRE<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"Jahre\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Alter beim Erreichen von FIRE<\/span><\/span><span class=\"field-value\" id=\"result-3\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>Sparquote<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Lean-FIRE-Zahl (70 % der Ausgaben)<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-6\"><span class=\"field-title\"><span>Jahre bis Lean FIRE<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"Jahre\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>Fat-FIRE-Zahl (150 % der Ausgaben)<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-8\"><span class=\"field-title\"><span>Jahre bis Fat FIRE<\/span><\/span><span class=\"field-value\" id=\"result-8\" data-unit=\"Jahre\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-9\"><span class=\"field-title\"><span>Heutige Coast-FIRE-Zahl<\/span><\/span><span class=\"field-value\" id=\"result-9\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-10\"><span class=\"field-title\"><span>Coast-FIRE-Status<\/span><\/span><span class=\"field-value\" id=\"result-10\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-11\"><span class=\"field-title\"><span>Voraussichtliches Verm\u00f6gen im Vergleich zu Ihren FIRE-Zielen<\/span><\/span><span class=\"field-value\" id=\"result-11\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-12\"><span class=\"field-title\"><span>Prognose f\u00fcr jedes Jahr<\/span><\/span><span class=\"field-value\" id=\"result-12\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Link zu dieser Berechnung kopieren<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Kommentar schreiben<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"4818\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">Wie finden Sie dieses Ergebnis?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Gef\u00e4llt mir <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Hilfreich <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Verwirrt <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Entt\u00e4uscht <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Ungenau <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>Formula of the FIRE-Rechner \u2013 Coast FIRE und Verm\u00f6gen f\u00fcr den Ruhestand<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Formel<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\"><\/div>\r\n\t<\/figure>\r\n\t\r\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Sch\u00e4tzen Sie Ihre FIRE-Zahl und die Zielwerte f\u00fcr Lean FIRE, Fat FIRE und Coast FIRE. Erfahren Sie, wie viele Jahre Sie daf\u00fcr voraussichtlich brauchen und in welchem Alter Sie finanziell unabh\u00e4ngig sein k\u00f6nnen. Geben Sie Ihr Erspartes, Ihre Ausgaben, die erwartete Rendite und die sichere Entnahmerate ein.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[50],"class_list":["post-4818","post","type-post","status-publish","format-standard","hentry","category-finanzen","tag-investitionen"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/posts\/4818","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/comments?post=4818"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/posts\/4818\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/media?parent=4818"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/categories?post=4818"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/tags?post=4818"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}