FI Date Estimator
Find out roughly when you'll hit financial independence.
Your Numbers
Optional. Leave blank to skip the target-age result.
$
Your pay per year before taxes.
$
What you spend per year today, including taxes. Don't count retirement contributions — those are savings.
$
In today's dollars. Drives your FI Number.
$
Total invested assets right now.
%
Historical real stock return average is ~7%.
%
4% is the standard assumption.
Your Results
Annual SavingsIncome minus expenses.—
Savings RateThe share of income you invest.—
FI NumberTarget portfolio: expenses ÷ withdrawal rate.—
Years to FI
—
Time until you hit your FI Number.
Projected FI Age: —
Current age + years to FI.
Portfolio Growth Toward Your FI Number
Year-by-Year Growth Schedule
Table stops once you reach your FI Number.
| Year | Starting Balance | Annual Savings | Investment Growth | Ending Balance | % of FI Reached |
|---|
Assumptions
Retirement spending is in today's dollars, and returns are after inflation. Income is before taxes; taxes count as spending.
Model: NPER — existing portfolio + ongoing annual savings. For simplicity, this assumes your annual savings go in once a year and grow once a year. Investing every month would get you there a little sooner.
Estimates for illustration only.
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