Financial Independence Calculator

The illustrative financial-independence target is annual expenses divided by a withdrawal rate. At 4%, $40,000 of spending implies a $1,000,000 target. The timeline grows your investments in inflation-adjusted terms until they reach it. These are educational estimates, not financial planning advice.

Your inputs

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Results

Illustrative FI target

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Estimated years to target

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Current progress

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Results are illustrative. Calculations run entirely in your browser, nothing you enter is sent anywhere, and no figure here is a forecast, a guarantee or investment advice. Markets can rise or fall.

How the calculation works

Target = expenses ÷ withdrawal rate. Investments grow at the real return (1 + return) ÷ (1 + inflation) − 1 plus annual contributions, and the estimate reports the first year the balance reaches the target (in today's money).

Frequently asked questions

What is the 4% rule?

A rule of thumb from historical US studies suggesting an initial 4% withdrawal, adjusted for inflation, lasted 30 years in most past periods. It is debated and is not a guarantee.

How sensitive is the result?

Very. Small changes to return, inflation or spending can move the timeline by years.