schulze/fire
schulze/fire
1
0
Fork 0
Code Issues 1 Pull Requests Actions Packages Releases Activity

update SEO texts

Browse Source
This commit is contained in:
Felix Schulze 2025-05-01 20:14:21 +02:00
parent ad4b86ef74
commit 5f90724cf6
1 changed files with 203 additions and 188 deletions
Show Stats Download Patch File Download Diff File Expand all files Collapse all files

385
src/app/page.tsx
View File

@ -10,9 +10,9 @@ import Footer from "./components/footer";
export default function HomePage() {
return (
<main className="text-primary-foreground to-destructive from-secondary flex min-h-screen flex-col items-center bg-gradient-to-b p-4">
<main className="text-primary-foreground to-destructive from-secondary flex min-h-screen flex-col items-center bg-gradient-to-b p-2">
<div className="mx-auto flex flex-col items-center justify-center gap-4 text-center">
<div className="flex flex-row flex-wrap items-center justify-center gap-4 align-middle">
<div className="mt-8 flex flex-row flex-wrap items-center justify-center gap-4 align-middle">
<Image
src="/investingfire_logo_no-bg.svg"
alt="InvestingFIRE Logo"
@ -35,26 +35,32 @@ export default function HomePage() {
<div className="mx-auto max-w-2xl py-12 text-left">
<section className="mb-12">
<h2 className="mb-4 text-3xl font-bold">
What is FIRE? Understanding Financial Independence and Early
What Is FIRE? Understanding Financial Independence and Early
Retirement
</h2>
<p className="mb-4 text-lg leading-relaxed">
FIRE stands for &quot;Financial Independence, Retire Early.&quot;
It&apos;s a movement focused on aggressive saving and strategic
investing to build a substantial portfolio. The goal is for
investment returns to cover living expenses indefinitely, freeing
you from traditional employment. Achieving FIRE means gaining the
freedom to pursue passions, travel, or simply enjoy life without
needing a regular paycheck. Sound investing advice is crucial for
building the wealth needed.
FIRE stands for{" "}
<strong>Financial Independence, Retire Early</strong>. It&apos;s a
lifestyle movement built around two core ideas:
</p>
<ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
<li>
<strong>Aggressive saving & investing</strong>—often 50%+ of
income—so your capital grows rapidly.
</li>
<li>
<strong>Passive-income coverage</strong>—when your investment
returns exceed your living expenses, you gain freedom from a
traditional 9-5.
</li>
</ul>
<p className="text-lg leading-relaxed">
The core principle involves maximizing your savings rate (often
50%+) and investing wisely, typically in low-cost, diversified
assets like index funds. Your &quot;FIRE number&quot; – the capital
needed – is often estimated as 25 times your desired annual
spending, derived from the 4% safe withdrawal rate guideline. This
FIRE calculator helps you personalize this estimate.
By reaching your personal <em>FIRE Number</em>—the nest egg needed
to cover your inflation-adjusted spending—you unlock the option to
step away from a daily paycheck and pursue passion projects, travel,
family, or anything else. This calculator helps you simulate your
journey, estimate how much you need, and visualize both your
accumulation phase and your retirement withdrawals over time.
</p>
</section>
@ -63,51 +69,58 @@ export default function HomePage() {
How This FIRE Calculator Provides Investing Insights
</h2>
<p className="mb-4 text-lg leading-relaxed">
This calculator helps visualize your path to FIRE by projecting
investment growth based on your inputs. Understanding these
projections is a key piece of investing advice for long-term
planning. Here&apos;s a breakdown of the inputs:
Our interactive tool goes beyond a simple “25x annual spending”
rule. It runs a <strong>year-by-year simulation</strong> of your
portfolio, combining:
</p>
<ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
<li>
<strong>Starting Capital:</strong> The total amount you currently
have invested.
<strong>Starting Capital</strong>—your current invested balance
</li>
<li>
<strong>Monthly Savings:</strong> The amount you consistently save
and invest each month.
<strong>Monthly Savings</strong>—ongoing contributions to your
portfolio
</li>
<li>
<strong>Current Age:</strong> Your current age in years.
<strong>Expected Annual Growth Rate (CAGR)</strong>—compounding
returns before inflation
</li>
<li>
<strong>Expected Annual Growth Rate (%):</strong> The average
annual return you expect from your investments (after fees, before
inflation).
<strong>Annual Inflation Rate</strong>—to inflate your target
withdrawal each year
</li>
<li>
<strong>Desired Monthly Allowance (Today&apos;s Value):</strong>{" "}
How much you want to be able to spend each month in retirement, in
today&apos;s money value.
<strong>Desired Monthly Allowance</strong>—today&apos;s-value
spending goal
</li>
<li>
<strong>Annual Inflation Rate (%):</strong> The expected average
rate at which the cost of living will increase.
<strong>Retirement Age & Life Expectancy</strong>—defines your
accumulation horizon and payout period
</li>
</ul>
<p className="text-lg leading-relaxed">Key features:</p>
<ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
<li>
<strong>Real-time calculation</strong>—as you tweak any input,
your FIRE Number and chart update instantly.
</li>
<li>
<strong>Life Expectancy (Age):</strong> The age until which you
want your funds to last.
<strong>Interactive chart</strong> with area plots for both{" "}
<em>portfolio balance</em> and{" "}
<em>inflation-adjusted allowance</em>, plus reference lines
showing your retirement date and required FIRE Number.
</li>
<li>
<strong>Custom simulation</strong>—switches from accumulation
(adding savings) to retirement (withdrawing allowance),
compounding each year based on your growth rate.
</li>
</ul>
<p className="text-lg leading-relaxed">
The calculator simulates your investment growth year by year,
incorporating monthly contributions, the power of compound growth (a
core investing principle), and inflation&apos;s impact on your
target allowance. It estimates the age at which your capital could
sustain your desired, inflation-adjusted monthly spending throughout
your expected retirement until your specified life expectancy. It
calculates your potential &quot;FIRE Number&quot; and the age you
might reach financial independence.
With this level of granularity, you can confidently experiment with
savings rate, target retirement age, and investment assumptions to
discover how small tweaks speed up or delay your path to financial
independence.
</p>
</section>
@ -118,86 +131,106 @@ export default function HomePage() {
<Accordion type="single" collapsible className="w-full">
<AccordionItem value="item-1">
<AccordionTrigger className="text-xl font-semibold">
What is the 4% rule?
What methodology does this calculator use?
</AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed">
The 4% rule is a guideline suggesting that you can safely
withdraw 4% of your investment portfolio&apos;s value in your
first year of retirement, and then adjust that amount for
inflation each subsequent year, with a high probability of your
money lasting for at least 30 years. This calculator uses a more
dynamic simulation based on your life expectancy but is related
to this concept.
We run a multi-year projection in two phases:
<ol className="ml-6 list-decimal space-y-1">
<li>
<strong>Accumulation:</strong> Your balance grows by CAGR
and you add monthly savings.
</li>
<li>
<strong>Retirement:</strong> The balance continues
compounding, but you withdraw an inflation-adjusted monthly
allowance.
</li>
</ol>
The result: a precise estimate of the capital you&apos;ll have
at retirement (your “FIRE Number”) and how long it will last
until your chosen life expectancy.
</AccordionContent>
</AccordionItem>
<AccordionItem value="item-2">
<AccordionTrigger className="text-xl font-semibold">
Is the Expected Growth Rate realistic? Finding the right
investing advice often starts here.
Why isn&apos;t this just the 4% rule?
</AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed">
Historically, diversified stock market investments have returned
around 7-10% annually long-term (before inflation). A rate of 7%
(after fees) is common, but remember past performance
doesn&apos;t guarantee future results, a fundamental piece of
investing advice. Choose a rate reflecting your risk tolerance
and investment strategy.
The 4% rule is a useful starting point (25× annual spending),
but it assumes a fixed withdrawal rate with inflation
adjustments and doesn&apos;t model ongoing savings or dynamic
market returns. Our calculator simulates each year&apos;s
growth, contributions, and inflation-indexed withdrawals to give
you a tailored picture.
</AccordionContent>
</AccordionItem>
<AccordionItem value="item-3">
<AccordionTrigger className="text-xl font-semibold">
How does inflation impact my FIRE number?
How do I choose a realistic growth rate?
</AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed">
Inflation erodes the purchasing power of money over time. Your
desired monthly allowance needs to increase each year just to
maintain the same standard of living. This calculator accounts
for this by adjusting your target allowance upwards based on the
inflation rate you provide, ensuring the calculated FIRE number
supports your desired lifestyle in future dollars.
Historically, a diversified portfolio of equities and bonds has
returned around 7-10% per year before inflation. We recommend
starting around 6-8% (net of fees), then running “what-if”
scenarios—5% on the conservative side, 10% on the aggressive
side—to see how they affect your timeline.
</AccordionContent>
</AccordionItem>
<AccordionItem value="item-4">
<AccordionTrigger className="text-xl font-semibold">
Can I really retire early with FIRE?
How does inflation factor into my FIRE Number?
</AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed">
Retiring significantly early is achievable but demands
discipline, a high savings rate, and smart investing. Success
depends on income, expenses, savings habits, and investment
returns. Use this FIRE calculator as a planning tool,
understanding it provides estimates based on your assumptions
and chosen investing approach.
Cost of living rises. To maintain today&apos;s lifestyle, your
monthly allowance must grow each year by your inflation rate.
This calculator automatically inflates your desired monthly
spending and subtracts it from your portfolio during retirement,
ensuring your FIRE Number keeps pace with rising expenses.
</AccordionContent>
</AccordionItem>
<AccordionItem value="item-5">
<AccordionTrigger className="text-xl font-semibold">
What does FIRE stand for?
Can I really retire early with FIRE?
</AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed">
FIRE stands for Financial Independence, Retire Early. It
represents a lifestyle movement aimed at maximizing your savings
rate through increased income and/or decreased expenses to
achieve financial independence and retire much earlier than
traditional retirement age.
Early retirement is achievable with disciplined saving, smart
investing, and realistic assumptions. This tool helps you set
targets, visualize outcomes, and adjust inputs—so you can build
confidence in your plan and make informed trade-offs between
lifestyle, risk, and timeline.
</AccordionContent>
</AccordionItem>
<AccordionItem value="item-6">
<AccordionTrigger className="text-xl font-semibold">
How much should I save each month?
How should I use this calculator effectively?
</AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed">
FIRE enthusiasts typically aim to save 50-70% of their income.
The more you can save, the faster you&apos;ll reach your FIRE
goal. However, the right amount depends on your income,
lifestyle, and target retirement age. Use the calculator to
experiment with different monthly savings amounts to see their
impact on your retirement timeline.
<ul className="ml-6 list-disc space-y-1">
<li>
Start with your actual numbers (capital, savings, age).
</li>
<li>
Set conservative - mid - aggressive growth rates to bound
possibilities.
</li>
<li>
Slide your retirement age to explore “early” vs.
“traditional” scenarios.
</li>
<li>
Review the chart—especially the reference lines—to see when
you hit FI and how withdrawals impact your balance.
</li>
<li>
Experiment with higher savings rates or lower target
spending to accelerate your path.
</li>
</ul>
</AccordionContent>
</AccordionItem>
</Accordion>
@ -209,77 +242,48 @@ export default function HomePage() {
FIRE Journey & Investing Resources
</h2>
<p className="mb-6 text-lg leading-relaxed">
Ready to dive deeper into FIRE and solidify your investing strategy?
Explore these valuable resources for financial independence planning
and investing advice:
Ready to deepen your knowledge and build a bullet-proof plan? Below
are some of our favorite blogs, books, tools, and communities for
financial independence and smart investing.
</p>
<div className="bg-secondary/20 my-8 rounded-md p-4 text-lg">
<p className="font-semibold">Getting Started with FIRE:</p>
<ol className="ml-6 list-decimal space-y-1">
<li>
Calculate your personal numbers using this FIRE calculator and
other tools.
</li>
<li>
Seek sound investing advice and consider joining communities
like r/Fire for support.
</li>
<li>Explore books and podcasts to deepen your understanding</li>
</ol>
</div>
<div className="grid gap-8 md:grid-cols-2">
<div>
<h3 className="mb-3 text-xl font-semibold">
Blogs & Investing Websites
</h3>
<ul className="ml-6 list-disc space-y-2 text-lg">
<li>
<a
href="https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/"
target="_blank"
className="text-primary hover:underline"
>
Mr. Money Mustache - Simple Math Behind Early Retirement &
Investing
</a>
</li>
<li>
<a
href="https://www.playingwithfire.co/resources"
target="_blank"
className="text-primary hover:underline"
>
Playing With FIRE - Comprehensive Resources
</a>
Run your first projection above to find your target FIRE Number.
</li>
<li>Identify areas to boost savings or reduce expenses.</li>
<li>
Study index-fund strategies and low-cost investing advice.
</li>
<li>
Join{" "}
<a
href="https://www.reddit.com/r/Fire/"
target="_blank"
className="text-primary hover:underline"
>
r/Fire Reddit Community
</a>
supportive communities like r/Fire
</a>{" "}
to learn from real journeys.
</li>
</ul>
</ol>
</div>
<div className="grid gap-8 md:grid-cols-2">
<div>
<h3 className="mb-3 text-xl font-semibold">
Books & Investment Learning
</h3>
<h3 className="mb-3 text-xl font-semibold">Blogs & Websites</h3>
<ul className="ml-6 list-disc space-y-2 text-lg">
<li>
<a
href="https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766"
href="https://www.mrmoneymustache.com/"
target="_blank"
className="text-primary hover:underline"
>
Your Money or Your Life - Foundational FIRE & Investing
Principles
</a>
Mr. Money Mustache
</a>{" "}
- Hardcore frugality & early retirement success stories.
</li>
<li>
<a
@ -287,8 +291,45 @@ export default function HomePage() {
target="_blank"
className="text-primary hover:underline"
>
Playing With FIRE Documentary
</a>
Playing With FIRE
</a>{" "}
- Community resources & real-life case studies.
</li>
<li>
<a
href="https://www.reddit.com/r/Fire/"
target="_blank"
className="text-primary hover:underline"
>
r/Fire
</a>{" "}
- Active forum for questions, tips, and support.
</li>
</ul>
</div>
<div>
<h3 className="mb-3 text-xl font-semibold">Books & Podcasts</h3>
<ul className="ml-6 list-disc space-y-2 text-lg">
<li>
<a
href="https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766"
target="_blank"
className="text-primary hover:underline"
>
Your Money or Your Life
</a>{" "}
- The classic guide to aligning money with values.
</li>
<li>
<a
href="https://podcasts.apple.com/us/podcast/biggerpockets-money-podcast/id1330225136"
target="_blank"
className="text-primary hover:underline"
>
BiggerPockets Money Podcast
</a>{" "}
- Interviews on FIRE strategies and wealth building.
</li>
<li>
<a
@ -296,37 +337,39 @@ export default function HomePage() {
target="_blank"
className="text-primary hover:underline"
>
BiggerPockets Money Podcast - FIRE Calculators & Investing
Strategies
</a>
InvestingFIRE Calculator Demo
</a>{" "}
- Deep dive on how interactive projections can guide your
plan.
</li>
</ul>
</div>
<div>
<h3 className="mb-3 text-xl font-semibold">
Additional FIRE & Investing Calculators
Additional Calculators & Tools
</h3>
<ul className="ml-6 list-disc space-y-2 text-lg">
<li>
<a
href="https://ghostfol.io"
target="_blank"
className="text-primary hover:underline"
>
Ghostfolio
</a>{" "}
- Wealth management application for individuals.
</li>
<li>
<a
href="https://walletburst.com/tools/coast-fire-calculator/"
target="_blank"
className="text-primary hover:underline"
>
Coast FIRE Calculator - For those considering a partial
early retirement
</a>
</li>
<li>
<a
href="https://www.empower.com/retirement-calculator"
target="_blank"
className="text-primary hover:underline"
>
Empower Retirement Planner - Free portfolio analysis and net
worth tracking
</a>
Coast FIRE Calculator
</a>{" "}
- When you “max out” early contributions but let compounding
do the rest.
</li>
<li>
<a
@ -334,37 +377,9 @@ export default function HomePage() {
target="_blank"
className="text-primary hover:underline"
>
CAGR Compound Interest Calculator - Understand Investment
Growth
</a>
</li>
</ul>
</div>
<div>
<h3 className="mb-3 text-xl font-semibold">
Recent Investing & FIRE Articles
</h3>
<ul className="ml-6 list-disc space-y-2 text-lg">
<li>
<a
href="https://www.businessinsider.com/retiring-tech-early-coast-fire-make-me-millionaire-2025-4"
target="_blank"
className="text-primary hover:underline"
>
Coast FIRE: Retiring in your 30s while becoming a
millionaire by 60
</a>
</li>
<li>
<a
href="https://www.businessinsider.com/financial-independence-retire-early-saving-loneliness-retreat-bali-making-friends-2025-2"
target="_blank"
className="text-primary hover:underline"
>
The Social Side of FIRE: Finding Community in Financial
Independence
</a>
Compound Interest Calculator
</a>{" "}
- Explore the power of growth rates in isolation.
</li>
</ul>
</div>