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
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.
Related Calculators
Coast FIRE Calculator
Find your Coast FIRE number — the invested amount needed today so compound growth alone reaches your retirement goal without further contributions.
Barista FIRE Calculator
Calculate the minimum part-time income you need to cover the gap between investment income and living expenses, including health insurance costs.
Net Worth Milestone Calculator
Project when you will hit your next net worth milestone based on monthly savings and expected investment returns. See the contributions vs. growth breakdown.
Sabbatical Savings Calculator
Plan financially for a career break. Calculate the total cost of a sabbatical including living expenses and health insurance, plus a recommended safety buffer.