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Your FI number is 25× annual expenses at the 4% safe withdrawal rate.
FI = annual expenses × (100 ÷ SWR). Lower SWR → larger FI number. Most planners use 3.5–4%.
Yes — all computation happens in your browser. We don't store the values you enter.
50% needs, 30% wants, 20% savings & debt — a simple budgeting starting point.
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.
The portfolio size at which 4%/yr withdrawals indefinitely cover your annual expenses — i.e., 25× expenses.
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 October 2026