Time to Financial Independence

Financial independence means your portfolio covers your spending, commonly estimated as 25 times annual expenses (a 4% withdrawal rate). Adjust the assumptions to fit your own plan.

Current net worth$100,000Annual spending$80,000Monthly savings$4,000Expected annual return (%)7Safe withdrawal rate (%)4

Time to financial independence

17.9 years

Your FI number: $2,000,000
Rule: 25× annual spending

Simulated monthly. For education only, not financial advice.

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