When can you actually stop working?

A FIRE calculator built for Sweden: ISK/KF schablonskatt, pension capital that’s locked until your 60s, and a real year-by-year simulation of the bridge, not just “spending × 25”.

Your agePlan until ageInvestments (ISK/KF), krPension capital, krPension unlocks at ageSaving per month, krSpending per month, kr

Assumptions

Real return, %/yrWithdrawal rate, %Statslåneränta, %

ISK/KF is taxed as schablon: max(SLR + 1pp, 1.25%) × 30% ≈ 0.90% of the balance per year, withdrawals tax-free. Pension capital pays avkastningsskatt and stays locked until your unlock age. Returns are real (after inflation). The ISK free allowance for small balances is not modeled, so tax is slightly overstated for portfolios near it.

You can stop working at

in 18 years, money lasts to 95

Your FIRE number

9 000 000 kr

4% of it covers a year's spending

Progress

20%

1 800 000 kr invested today

The rule of thumb says age 63. A year-by-year simulation says age 58, 5 years earlier. The "spending × 25" rule ignores that your 800 000 kr of pension capital keeps compounding while locked and takes over the load later, so your liquid savings only have to bridge the years until it unlocks. Most calculators skip this.

Accessible now Incl. locked pension

This is the estimate. Track the real thing: import your accounts and Lodestone keeps your actual FI date honest, month after month.

Common questions

What is a FIRE number?

Your FIRE number is the capital that lets investment withdrawals cover your living costs indefinitely. At a 4% safe withdrawal rate it is roughly 25 × your annual spending: spending 30 000 kr a month means about 9 million kr.

Why does this calculator show two different FI ages?

Most calculators count every krona toward your FIRE number, including pension capital you cannot touch until your 60s. The naive age is when total capital crosses the line; the accessible age is when the money you can actually spend bridges you all the way, the honest answer for anyone retiring before pension age.

How is ISK tax handled?

ISK and kapitalförsäkring pay schablonskatt: a flat yearly tax of max(statslåneräntan + 1 percentage point, 1.25%) × 30% on the whole balance, and withdrawals are then tax-free. The calculator applies that drag every year, the same way Lodestone’s full projection does. The tax-free allowance for smaller balances is not modeled, which slightly overstates tax for small portfolios.

What return should I assume?

The default is a 5% real (after-inflation) annual return, a common long-run estimate for a broad equity portfolio. Lower it to stress-test the plan; the full product also runs Monte Carlo simulations to show how market ups and downs move the date.

Is 4% a safe withdrawal rate in Sweden?

The 4% rule comes from US research and is a starting point, not a law. Swedish specifics cut both ways: ISK withdrawals are tax-free (good), but early retirees must bridge years before pension access (demanding). This calculator simulates the bridge explicitly instead of assuming the rule covers it.

A calculator guesses. Lodestone knows.

Import your accounts and the same engine runs on your real holdings (every ISK, pension, loan and property), recalculating your true FI date as life happens.