🔥 Financial Independence

Years to FI from your savings rate and real returns.

What it does

Shows how close you are to Financial Independence: your savings rate, the target corpus (25x annual expenses), and how many years to get there at a real return.

When to use it

Use it to see the one lever that matters most — your savings rate — and to watch years-to-FI fall as your rate rises.

Assumptions
  • You invest your monthly savings and earn a constant real (inflation-adjusted) return.
  • Expenses stay constant in real terms; the 25x rule assumes a 4% withdrawal rate.
Inputs
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Pro tip

Every extra percentage point of savings rate shrinks the years to FI more than the last one. Cutting expenses does double duty: it raises savings rate and lowers the FI target. That is why frugality is the fastest FI lever.