r/EuropeFIRE
359k members
r/EuropeFIRE is a subreddit with 359k members. The most common kinds of discussions are money talk and advice requests, and the community frequently discusses fire, europe, retirement, investment, and portfolio, and they frequently recommend/review online broker, high yield savings account, and etf portfolio.
This sub is about reaching financial independence (FI) in Europe before age 60, which means that working is no longer a financial necessity. FI is achieved by accumulating sufficient invested capital, the returns of which finance life into old age - though fixed pensions may complement it later for sufficient long-term safe withdrawal rates. This sub welcomes discussions about any spending level from PovertyFIRE up to FatFIRE as long as it is fully supported by capital returns.
Popular Themes in r/EuropeFIRE
#1
Money Talk
: "$3.6M. I think I’m done here"
15 posts
#2
Advice Requests
: "Now that the NL is about to tax unrealised gains, where in the EU is best to accumulate & invest for FIRE, besides Luxembourg and Switzerland?"
12 posts
#3
Solution Requests
: "Just created a (EU-ETF) Portfolio Analysis Tool! -Try it out and let me know-"
5 posts
#4
Ideas
: "I got tired of FIRE calculators assuming a flat 7% return, so I built a free Monte Carlo simulator to test real market volatility."
4 posts
#5
Pain & Anger
: "How do you avoid lifestyle creep when everything feels expensive?"
2 posts
#6
Self-Promotion
: "Long term personal finance planning app under development"
1 post
Popular Topics in r/EuropeFIRE
#1
Fire
: "NL Box-3 reform nearly doubles lifetime tax (delays my Fire by 8 years)."
111 posts
#2
Europe
: "My investments are growing faster than my salary, and I'm starting to question a 2-hour commute (Europe)"
83 posts
#3
Retirement
: "Bridging the gap to Retirement at 44. Is it possible in Austria?"
35 posts
#4
Investment
: "Italy vs Netherlands for Investment taxation"
35 posts
#5
Portfolio
: "Did you switch platforms as your Portfolio grew, or stick with what you started with?"
26 posts
#6
Investing
: "ETF Investing is boring… is that actually the point?"
17 posts
#7
Income
: "Low stress, low skill side Income in the Netherlands?"
16 posts
#8
Tax
: "NL Box-3 reform nearly doubles lifetime Tax (delays my FIRE by 8 years)."
15 posts
#9
Savings
: "How has your Savings rate evolved over time?"
14 posts
#10
Eu
: "Low cost, tax-efficient index funds for Dutch residents?"
14 posts
Products Discussed in r/EuropeFIRE
Online Broker
4 reviews
#1
Interactive Brokers
5.0★ from 1 review
#2
DKB
4.0★ from 1 review
#3
Scalable Capital
4.0★ from 1 review
High Yield Savings Account
2 reviews
#1
XEON
4.0★ from 1 review
#2
TradeRepublic
4.0★ from 1 review
Etf Portfolio
2 reviews
#1
All World ETF
5.0★ from 1 review
#2
Vanguard
5.0★ from 1 review
Flair Used in r/EuropeFIRE
#1
Question
: "Are your fire plans changing along with the world around you?"
1 post
Member Growth in r/EuropeFIRE
Yearly
+14k members(4.1%)
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About
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Last updated: July 2, 2026