Financial Independence (FI) Number Calculator
Your FI number is 25× annual expenses at the 4% safe withdrawal rate.
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Inputs
$
%
$
$
%
Your FI number
$1,200,000.00
Gap: $1,080,000.00
FI at 3% SWR
$1,600,000.00
FI at 4% SWR
$1,200,000.00
FI at 5% SWR
$960,000.00
Years to FI
13.9 yr
@ 7% growth
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How it works
FI = annual expenses × (100 ÷ SWR). Lower SWR → larger FI number. Most planners use 3.5–4%.
Frequently asked questions
Are these calculators private?
Yes — all computation happens in your browser. We don't store the values you enter.
What's the 50/30/20 budget?
50% needs, 30% wants, 20% savings & debt — a simple budgeting starting point.
How is net worth different from income?
Income is what you earn; net worth is what you own minus what you owe. Build net worth by keeping the gap between income and spending positive.
What's a FI number?
The portfolio size at which 4%/yr withdrawals indefinitely cover your annual expenses — i.e., 25× expenses.
Should I always take the higher-salary job?
Not always. Net of cost of living, taxes, commute, and benefits, the smaller salary sometimes wins.
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