FI Date Calculator

Estimate when you could reach financial independence using simple assumptions.

Current Age

Current Net Worth

Annual Savings

Tip: Use the Savings Rate Calculator to check your savings.

Annual Spending in Retirement

Safe Withdrawal Rate (SWR)

Generally 4% is standard. Lower is more conservative.

Real Return

Inflation

Display Mode

Real mode adjusts for inflation so you can think in today's purchasing power.

Max Age

Contrib. Growth (%)

Stop Contrib. Age

Estimated FI Age

—

Not reached by max age

FI Number (Today's $)

$1,500,000

Annual Spending

$60,000

SWR

4.0%

Years to FI

∞

• Your FI number is $1,500,000 (based on $60,000/yr spending at 4% SWR).

• With $0/yr savings and 5% real return, you reach FI in many years.

This is an educational estimate, not financial advice.
Taxes, sequence-of-returns risk, and healthcare costs are not modeled.

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