Freedom Fund Calculator
Calculate your Financial Independence number and discover when you can retire on your own terms.
How much you want to live on each month in retirement
Total value of your investments today
Conservative: 5-6%, Moderate: 7-8%, Aggressive: 9-10%
Your FI Number
$1,200,000
Based on the 4% rule ($48,000/year)
Required Monthly Investment
$1,128/month
for the next 25 years to reach your goal
Current Progress
4.2%
On Track
You're on a solid path. Consistent effort will get you there.
Projected FI Date: April 2051
The Math Behind Your FI Number
Annual Income Needed
$48,000
Multiply by 25
× 25
(The 4% Safe Withdrawal Rate)
Your FI Number
$1,200,000
What is the 4% Rule?
The 4% rule states that you can safely withdraw 4% of your portfolio each year in retirement without running out of money. Your FI Number is calculated as 25 times your annual expenses (because 1/25 = 4%).
How to use this tool
Input your dream retirement income and current savings. The calculator shows your FI Number and required monthly investments. Don't worry if the numbers seem high—this is about building a realistic plan, not instant perfection.