Savings-rate change from year X

A savings-rate change overrides your current monthly savings rate (Safety + Return + High-risk) from a certain year. The idea behind it: in the accumulation phase, your FIRE age is essentially a function of your savings rate. Whether you have less income, spend more or both – in the end everything comes down to "How much can I still move into my building blocks?". Instead of modeling each cause individually, you specify the result directly.

You enter the NEW absolute split per block (not the difference). At the top of the form you see your current savings rate from the Cash flow module (Safety + Return + High-risk), below it the fields for the new split with a live difference per block and in total. Templates such as 4-day week (×0.8), sabbatical (×0), salary jump (×1.3) or children (×0.5) pre-fill the fields relatively; you fine-tune.

Validity: a savings-rate change applies from the entered year until the next savings-rate change or until the Coast/FIRE phase begins – so there is no "until year". If you want to change something temporarily (e.g. a sabbatical year), simply create two entries: one with the temporary savings rate and one for the return to normal.

Effect: as long as you are in the accumulation phase, the override savings rate applies instead of the Cash flow module values. Coast FIRE, Barista, withdrawal and pension remain unaffected – these phases follow their own FIRE logic. Only the calculated FIRE age (jahreBisFIRE) shifts accordingly.