Financial Independence Calculator

Use this free financial independence calculator to work out your financial independence number and the years to reach it.

How the financial independence calculator works

FI number = annual spending ÷ safe withdrawal rate (a 4% rate means 25 × spending). Years are found by compounding your savings and yearly contributions until they reach the number.

Frequently asked questions

What withdrawal rate should I use?

4% is a common starting point; use a lower rate for very long retirements.

Results are estimates for general information only. They are not a substitute for professional advice where applicable. Found a mistake? Report an error.