Tool · 05
Financial independence calculator
Your savings rate, more than your salary, decides when work becomes optional. Set your income, spending, and return to find the year you reach financial independence.
FI number
$1,050,000
Years to reach it
22
Savings rate
40%
The return is real (after inflation), so the result is in today's dollars. Your FI number is annual spending divided by the withdrawal rate, so a 4% rate means 25 times what you spend in a year. Markets are not smooth, so read the year as a target, not a promise.
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Read why your savings rate sets the timeline →