Estimate your financial independence target, current progress, years to FI, and Coast FI point using your current spending, savings, and return assumptions.
Savings rate scenarios are based on the income implied by your current annual expenses plus annual savings.
Use the calculator to see how your spending target and savings pace shape your timeline.
These scenarios hold your implied income constant and show how different savings rates change annual spending, FI target, and timeline.
| Savings rate | Annual spending | Annual savings | FI target | Years to FI | Age at FI |
|---|
Your FI number uses annual expenses divided by your safe withdrawal rate. At a 4% withdrawal rate, expenses of $60,000 point to a $1.5 million target.
The calculator compounds your current savings monthly and adds your annual savings as monthly contributions until your portfolio reaches the target.
Coast FI is shown as the amount you would need invested today to reach your FI target by age 65 without adding new savings.
Real life will change. Revisit housing, healthcare, taxes, family costs, and return assumptions as your plan evolves.
Pair the calculator with the Financial Independence Blueprint for worksheets, withdrawal sequencing, Roth conversion planning, healthcare prep, and a full pre-FI checklist.
See the Financial Independence BlueprintFree tool → deeper planning system when you are ready to build the full roadmap.