Financial Independence Number Calculator
Calculate your FI number based on annual expenses and withdrawal rate. See your current progress and how many years until you reach financial independence.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
FI Number
$1,250,000.00
≈ 3 average U.S. homes
How to Use This Calculator
- Enter your annual living expenses — this is the core driver of your FI number.
- Set the safe withdrawal rate (4% is the standard starting point from the Trinity Study).
- Enter your current invested net worth (exclude home equity unless you plan to sell).
- Set your annual savings amount and expected return on investments.
- Review your FI number (25x annual expenses at 4% withdrawal), your current progress percentage, and years to financial independence.
How the result changes with Safe Withdrawal Rate
| Safe Withdrawal Rate | FI Number |
|---|---|
| 1.9% | $2,631,578.95 |
| 4.15% | $1,204,819.28 |
| 6.85% | $729,927.01 |
| 9.1% | $549,450.55 |
What each input means
- Annual Expenses
- Your total annual living expenses that investments need to cover in retirement.
- Safe Withdrawal Rate
- Percentage of portfolio withdrawn annually. The 4% rule is a common starting point.
- Current Net Worth
- Your current invested assets (exclude home equity unless you plan to sell).
- Annual Savings
- How much you save and invest per year.
- Expected Annual Return
- Expected average annual return on investments before inflation.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersAnnual Expenses = 50000, Safe Withdrawal Rate = 4, Current Net Worth = 200000, Annual Savings = 30000 = 5 input(s) provided
- Calculate FI NumberFI Number1250000 = $1,250,000
- Calculate Current ProgressCurrent Progress16 = 16%
- Calculate Years to FIYears to FI14.1 = 14.1
Engine last updated . Checked against 1 independently-derived test — how we verify calculators.
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