Financial Independence Calculator

Calculate when you can achieve financial independence based on your savings and expenses

Current Financial Situation

Enter your current income and savings details

$18,750 saved per year

Investment & Withdrawal Strategy

Define your investment assumptions and withdrawal plans

Historical stock market return is around 7-10% before inflation

Traditional 4% withdrawal rule - 95% success rate over 30 years

Path to Financial Independence

Track your progress towards financial freedom

FI Number
$0
Target portfolio size
Years to FI
0 years
Estimated time to reach FI
Safe Withdrawal
$4,000
Annual safe withdrawal
Current Progress
Portfolio Coverage:∞%
Monthly Savings:$1,563
Years of Expenses:2.0 years
Post-FI Income
Portfolio Income:$0
Social Security:$24,000
Total Annual Income:$24,000
Key Insights

• Your FI number is $0 based on the 4% withdrawal rate

• At your current savings rate, you'll reach FI at age 0

• Social Security will provide 0.5% of your expenses

• Consider increasing your savings rate to reach FI sooner