● Free tool · personal finance
Enter your take-home pay, your spending and what you have invested. See your FI number, how many years until you reach it, and how the answer changes with your savings rate.
| Savings per year | |
| Savings rate | |
| FI number (spending ÷ withdrawal rate) | |
| Coast FI by age 65 (invested today, no more saving) |
| Savings rate | Years to FI | FI age |
|---|
Today's dollars: the return is after inflation. Savings are added at the end of each year. The table keeps your pay and assumes you'd spend the rest. Projections, not predictions.
Your FI number is the invested amount at which a safe withdrawal rate covers your yearly spending: $52,000 a year at 4% needs $1,300,000. Each year your investments grow by the return you enter (after inflation, so everything stays in today's dollars) and that year's savings are added at the end. Years to FI is the first whole year the balance reaches the FI number. Coast FI is the amount that would grow to your FI number by 65 with no more saving.