FI Date Calculator
Estimate when you could reach financial independence using simple assumptions.
Starting Point
Investments and retirement accounts — not home equity or vehicles
Tip: Use the Savings Rate Calculator to check your savings.
FI Target
4% is the common planning heuristic; lower is more conservative. It is a starting point, not a guarantee — what the 4% rule does and doesn't promise.
Growth Assumptions
Enter the return above inflation — 3.9% real ≈ 7.0% nominal at 3% inflation. If you're thinking “7% like the stock market”, that's a nominal figure — enter roughly 7 − inflation here.
Real mode grows the portfolio at the real rate against a constant today's-dollar target. Nominal mode grows it at 7.0% while the target inflates each year. Both give the same FI age — the mode changes which dollars the numbers are expressed in.
Advanced
Estimated FI Age
Waiting for your numbers
FI Number (Today's $)
$1,500,000
Annual Spending
$60,000
SWR
4.0%
Years to FI
—
Enter your current invested assets and annual savings on the left to estimate an FI date. The FI target of $1,500,000 comes from your spending at the 4% withdrawal rate.
This is an educational estimate, not financial advice.
Does not model Social Security and pensions, taxes on withdrawals, sequence-of-returns risk, and healthcare costs as a separate spending category.
Social Security and pensions are not part of this quick calculator — the full planner models them as income streams. What the model covers →
Next step in the suite
Your Plan