Work out financial independence date instantly with clear inputs, formula shown and shareable results.
Financial independence arrives when investments reach roughly 25 times annual expenses, the corpus that supports a 4% withdrawal. The savings rate matters more than the return, because saving more both grows the corpus and lowers the target.
Time to FI
Grow balance by (1+r) and add annual savings until it reaches 25 × expenses
Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
It works on both sides — every unit not spent is a unit invested and a unit less needed for ever.
Real, because the target is expressed in today's expenses. Mixing the two overstates progress badly.