Expenses drive the target
Your FIRE target depends heavily on how much you expect to spend after leaving full-time work.
A South African FIRE planner
See when financial independence could become possible
Build a year-by-year FIRE projection using your expenses, monthly contributions, accessible investments and retirement savings.
Libevyn helps you see whether your accessible wealth could support the years before retirement money becomes available.
14-day free trial · Start with a few assumptions · No card required
No bank passwords required · Estimates based on information you enter
Your total net worth does not tell you when you can stop working
A FIRE plan needs more than one large net-worth number.
Some of your wealth may be available before retirement, while other savings may remain inside retirement annuity, pension or provident accounts. To understand whether early retirement may be possible, you need to model both parts over time.
For the explainer on accessible vs locked, the living-annuity 2.5%–17.5% band, two-pot vs TFSA, and the 50–55 bridge, read how long your money lasts in a South African retirement.
Not all wealth is accessible
Retirement savings may form part of your total wealth without being immediately available to fund early retirement.
The bridge period matters
If you stop working before retirement savings become accessible, your accessible investments may need to support the gap.
Contributions change the timeline
Increasing or reducing monthly contributions can materially change the projected FIRE year.
See how Libevyn builds your FIRE projection
Watch how your expenses, savings, contributions and assumptions combine into a South African FIRE plan.
Video shows FIRE assumptions, contributions, wealth split, year-by-year projection, bridge period and scenario changes.
Build my FIRE plan
Start with your current expenses and monthly contributions
Build your FIRE plan in three steps
You do not need to add every financial account before starting. Begin with your main balances and assumptions, then refine the plan over time.
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Step 1
Enter your FIRE assumptions
Add date of birth, current monthly expenses, target FIRE age, safe withdrawal rate, expected return and inflation.
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Step 2
Add your wealth and contributions
Enter balances and monthly contributions for accessible investments, retirement annuities, pension and provident funds.
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Step 3
Review your projected timeline
See FIRE target, projected FIRE year and age, accessible and retirement wealth, bridge-period projection and year-by-year path.
You can update balances, expenses and contributions as your circumstances change.
See which part of your wealth may support early retirement
Your total wealth may include cash, TFSA accounts, brokerage accounts, offshore investments, retirement annuities, pension funds, provident funds and property. These assets do not all play the same role in an early-retirement plan.
Libevyn separates accessible wealth from retirement wealth so the projection can show how each may contribute over time.
Accessible wealth
Assets that may be available before retirement, depending on account type and circumstances.
Retirement wealth
Savings in RA, pension and provident accounts that may not be immediately accessible.
Total wealth
Combined value of included assets, less any included liabilities.
This is a planning view based on account type and information you enter. It does not determine legal access to any asset.
Plan for the years before retirement savings become available
Someone may reach their FIRE target before all retirement savings are available. The period between leaving full-time work and accessing retirement money is the bridge period.
Libevyn helps model whether accessible investments could support spending during those years.
Imagine planning to stop working at age 50 while a large part of your wealth remains in retirement accounts. Your accessible investments may need to fund expenses for several years before retirement savings become available. Libevyn models both pools instead of treating every rand of net worth as immediately spendable.
See how your choices may change the projection
A FIRE projection is not a fixed prediction. It changes when your expenses, contributions, investment returns, inflation or target age change.
Monthly expenses
Lower or higher expected expenses change the amount of wealth required.
Monthly contributions
Accessible and retirement contributions can affect different parts of the plan.
Investment returns
Return assumptions affect how balances may grow over time.
Inflation
Inflation affects future expenses and the real value of money.
Safe withdrawal rate
The selected withdrawal-rate assumption affects the estimated FIRE target.
Target FIRE age
Changing the age changes the saving period and potential bridge period.
Built around South African account types
Generic FIRE tools often treat all investments as one pool. Libevyn lets you model account types South Africans commonly use, including TFSA, brokerage, offshore, RA, pension, provident, cash, property and debt.
Libevyn's FIRE projection includes two-pot and bridge-period modelling where supported in the application.
A FIRE plan that can change as your finances change
Once-off calculator
- Uses information entered once
- Usually produces a single target or date
- May combine all savings into one pool
- Does not stay connected to changing balances
- Requires starting over when circumstances change
Libevyn
- Stores your FIRE assumptions
- Uses balances from accounts you track
- Separates accessible and retirement wealth
- Shows a year-by-year projection
- Lets you update expenses and contributions
- Connects the plan to your broader net worth
- Models the bridge period
Libevyn is not only a once-off FIRE calculation. It gives your balances and assumptions a structured place so you can return and update the plan over time.
See your FIRE progress alongside your net worth
Your FIRE plan does not exist separately from the rest of your financial life. Libevyn can show FIRE progress together with total net worth, accessible wealth, retirement wealth, monthly contributions, account balances and portfolio history.
Start with the numbers you already know
You do not need perfect information to begin exploring a FIRE plan. Start with current monthly expenses, accessible investments, retirement savings, monthly contributions and a few planning assumptions.
Start small
Begin with your largest accounts and current monthly expenses.
Refine over time
Update balances and assumptions as your financial situation changes.
See value early
Get a provisional FIRE result once you have entered enough information.
Keep control
You choose which accounts and balances to include.
You choose which financial information to include
Libevyn is a manual wealth and FIRE tracker. You enter the accounts, balances and assumptions you want to use.
No bank passwords
You do not provide online banking or investment-platform login credentials.
Passwordless sign-in
Sign in using an email address and one-time code.
You control the assumptions
Change expenses, contributions, returns and inflation assumptions at any time.
Your financial information is not sold for advertising
Libevyn does not sell your financial information for advertising.
Account deletion
You can request deletion of your account and the information you entered.
Build your plan before deciding
Start a free trial and create a FIRE projection using your own balances and assumptions.
Plans start from R 49 per month when billed annually, or R 59 month to month.
Build my FIRE plan
14-day free trial · Update your plan over time · No card required · Cancel anytime
View pricingFrequently asked questions
What does FIRE mean?
FIRE stands for Financial Independence, Retire Early. The general idea is to build enough wealth to support expected expenses without relying entirely on employment income.
How does Libevyn calculate a FIRE projection?
Libevyn uses information and assumptions entered by the user, including expenses, current balances, monthly contributions, expected returns, inflation and withdrawal-rate assumptions. It then models a year-by-year path based on those inputs.
Is the projected FIRE date guaranteed?
No. The projection is an estimate based on user-entered information and assumptions. Actual investment returns, inflation, expenses, tax rules and personal circumstances may differ.
What is accessible wealth?
Accessible wealth is the portion of tracked wealth classified as potentially available before retirement, based on the account type and information entered by the user. Libevyn does not make a legal determination about access to a particular asset.
What is retirement wealth?
Retirement wealth includes tracked retirement annuity, pension and provident balances. These balances may form part of total net worth while not being immediately available for early-retirement spending.
What is a FIRE bridge period?
The bridge period is the time between stopping full-time work and gaining access to retirement savings. Accessible investments may need to support expenses during this period.
Does Libevyn support South African retirement accounts?
Yes. Libevyn supports retirement annuity, pension and provident accounts.
Does Libevyn model the two-pot retirement system?
Libevyn includes two-pot modelling within its South African FIRE projection. The projection is an estimate and does not provide tax, legal or retirement-fund advice.
Does Libevyn connect to my bank or broker?
No. You enter and update the balances you want to use. Libevyn does not require bank or brokerage login credentials.
Do I need to add every account?
No. You can begin with your largest accessible and retirement balances and add more accounts later.
Is Libevyn a financial adviser?
No. Libevyn is a tracking and planning tool. It does not provide personalised financial, investment, retirement or tax advice.
Can I change my assumptions later?
Yes. You can update expenses, contributions, returns, inflation and other supported assumptions as your circumstances change.
Build a FIRE plan around your actual financial life
See how your expenses, accessible investments, retirement savings and monthly contributions may shape your path to financial independence.
Build my FIRE plan
14-day free trial · Start with a few assumptions