Financial Independence Calculator
Calculate your path to FIRE (Financial Independence, Retire Early) with multiple scenarios and visual progress tracking.
FI Number
%
%
FI Scenario
FI Number
1,250,000
Standard FI
Years to FI
24
FI Age
54
Savings Rate
28.6%
Still Need
1,200,000
Net Worth Progress
Net Worth Progress
FI Target
Standard FI
Maintain your current lifestyle in retirement
Adjusted Annual Expenses: 50,000
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The 4% rule suggests you can withdraw 4% of your portfolio annually. This means you need 25 times your annual expenses to be financially independent.
Your savings rate (percentage of income saved) is the biggest factor in reaching FI. Higher savings rates dramatically reduce the time to financial independence.
Lean FI requires less money but reduced expenses, while Fat FI allows for luxury but needs more savings. Coast FI lets compound growth do the work over time.
Start early and let compound interest work for you—time is the most powerful factor in wealth building.
Consider geographic arbitrage: living in lower-cost areas can accelerate your path to financial independence.
FAQ
What is the 4% rule for financial independence?+
What is the difference between lean, standard, and fat FIRE?+
What is Coast FI?+
How does savings rate affect time to FI?+
Should I include my primary residence in my FI calculation?+