Tool

Savings Rate & Timeline

The single biggest lever on financial independence isn't your income — it's the gap between what you earn and what you spend.

Your numbers

Annual income (after tax)

Annual spending

Income minus spending is what you invest each year.

Current savings & investments

Real return %

After inflation.

Current age

Safe withdrawal rate (sets your target)

4.0%

Your FI target = annual spending ÷ this rate.

Your savings rate

Years to independence

—

FI target

—

Invested / year

—

Find your FU number

How the math works

Savings rate = (income − spending) ÷ income. Your FI target is annual spending ÷ your withdrawal rate (25× at 4%). We grow your current savings plus yearly contributions at your chosen real (after-inflation) return until the balance reaches the target. A higher savings rate both shrinks the target and grows the balance faster. Estimates only — not financial advice.