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Financial Independence (FI) Number Calculator

Your FI number is 25× annual expenses at the 4% safe withdrawal rate.

Instant results Private — runs in your browser Updated January 1970

Inputs

Annual expenses

Safe withdrawal rate

Current savings

Annual savings

Expected return

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

FI = annual expenses × (100 ÷ SWR). Lower SWR → larger FI number. Most planners use 3.5–4%.

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.

Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.

Last updated January 1970