FI Number

How much do you need to never work again?

Find your financial independence number and how many years away it is.

Monthly spending$What your life costs each month, in today's dollars.Invested so far$Monthly amount invested$Growth after inflation% a yearAn assumption, not a promise. 5% is a common planning figure for stocks.Withdrawal rate% a year4% means you need 25 times your yearly spending.

How this is worked out

FI number = yearly spending ÷ withdrawal rate. At 4% that is 25 times what you spend in a year. The 4% figure comes from studies of US market history over 30-year retirements; a longer retirement may call for a lower rate.

Years to get there assumes you invest the same amount every month and your investments grow at the rate you entered, after inflation. Real markets are uneven, so treat the answer as a planning estimate.

Get the next benchmark first

One short email when a new calculator goes live. No spam, unsubscribe any time.

Check another number

Where does YOUR net worth rank?
Which rung of the savings ladder are you on?