Financial Independence Calculator
Calculate your path to financial independence. Determine your FI number, time to FI, and required savings rate based on your annual expenses and investments.
Step 1: Income & Expenses
Understanding Financial Independence
Financial Independence (FI) means having enough investment income to cover your living expenses without needing to work. The 4% rule is a common guideline suggesting you can withdraw 4% of your portfolio annually.
Step 2: Investment & Growth
About Investment Returns
Historical stock market returns average 7-10% annually before inflation. Conservative estimates use 5-7% to account for volatility. Higher savings rates dramatically reduce time to financial independence.
Financial Independence Results
Your FI Number
Savings Rate Impact on FI Timeline
| Savings Rate | Years to FI | Annual Savings | FI Age (Starting at 30) |
|---|
Wealth Growth Projection
FI Number Formula
FI Number = Annual Expenses ÷ Safe Withdrawal Rate
To calculate your FI number: Divide your annual expenses by your safe withdrawal rate (as a decimal). For example: $50,000 ÷ 0.04 = $1,250,000.
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