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FIRE simulator with the INPS state pension

The classic FIRE calculator ignores the state pension. This one doesn't: it estimates when you can stop working based on what you have, how much you save and the INPS pension that will come.

What you need to live on today.
Excluding the home you live in.
Over 13 payments, already reduced for the years you won't contribute.
Assumptions (editable)
Cautious: this is the money you spend first.
You can stop working at
—

Capital needed—
Projected savings—

Want the full simulation? Try the FIRE Monte Carlo simulator: plan success probability, historical sequences, pensions and costs.

How it works

For each age, the simulator works out the capital you'd need to stop working and compares it with the savings you'll have if you keep saving. The first age at which your savings exceed what you need is the age you can stop.

  • Before pension age your capital must cover all spending until the INPS pension starts (the bridge) plus the gap between spending and pension for the years after.
  • After pension age it only needs to cover the gap between spending and pension, at your chosen withdrawal rate.
  • Coast FIRE: the savings that would let you stop saving today and still reach the target at your chosen age.

How to read the result

All amounts are in today's euros: returns are after inflation, so you can compare them directly with your current spending. The pension estimate is the most sensitive input: get it from the INPS "La mia pensione futura" service, setting the date you'd like to stop, because every missing year of contributions reduces it. See the guide on how much pension you lose by stopping early.

The simulator ignores tax on withdrawals, one-off costs, pension funds, TFR and changes in spending over time. For the full method see the guide on early retirement.

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Read next

Early retirement: how much capital you really needBridge capital and top-up capital: a full example of stopping 12 years early.How much pension do you lose if you stop working early?How the contribution-based system turns contributions into a pension, and what stopping 17 years early costs.Coast FIRE and Barista FIRE: the realistic kind of FIREHow much you need to stop saving or to work part-time, with examples and the INPS pension.

Educational simulation based on the stated assumptions and on the tax rules in force in 2026. This is not investment advice or a personal recommendation.