🎯 Financial Independence Calculator
Calculate your exact path to financial freedom and early retirement (FIRE)
Your Path to Financial Independence
Your FI Number
$0.00
Years to FI
0
Your FI Date
-
Savings Rate
0%
🎉 Countdown to Freedom!
At your current savings rate, you'll achieve financial independence and can retire early if you choose!
📊 Savings Rate Impact:
| Savings Rate | Years to FI |
|---|---|
| 10% | 51 years |
| 25% | 32 years |
| 50% | 17 years |
| 75% | 7 years |
Based on 5% real returns and 4% withdrawal rate
🚀 Accelerate Your Timeline:
- Increase income through career advancement or side hustles
- Reduce expenses by 10% (cuts years off timeline!)
- Optimize investments for tax efficiency
- Consider geographic arbitrage (lower cost of living)
- Invest raises and bonuses instead of inflating lifestyle
⚠️ Important Considerations:
- Healthcare costs before Medicare (age 65)
- Inflation will increase your expenses over time
- Market volatility and sequence of returns risk
- Life changes (family, health, goals)
- The 4% rule is a guideline, not a guarantee
FIRE calculator content – 2000+ words on financial independence, 4% rule, strategies…