Financial independence

When does 25× your annual expenses (the 4% rule) become reachable from where you are today?

Annual expenses ($)

Current balance ($)

Monthly savings ($)

Annual return: 7%Safe withdrawal rate: 4%

Your FI number

$1.00M

≈ 25× your annual expenses

Reaches FI in 17.7 years at the assumed return and savings rate.

Formula

FI number: annualExpenses × (1 / withdrawalRate). The 4% rule (Trinity Study) → 25×; a 3.5% rule → ≈ 28.5×. Then forward-simulate monthly compounding and find the first month where balance ≥ FI number.

Illustrative only. Calculator outputs assume constant inputs and ignore taxes, fees, inflation, and market volatility unless stated. For research and educational purposes only — not financial advice.