Based on FIRE (Financial Independence, Retire Early) principles. Calculate your FI number, years to freedom, and track progress toward financial independence.
Zero Dependencies Β· Works Offlineπ’ Financial Status
Total yearly expenses
Total annual take-home pay
Currently accumulated investable assets
4% classic, 3% conservative, 5% aggressive
Expected annual investment return
Expected annual income growth
π Understanding Financial Freedom
What is a FI Number?
FI Number = Annual Expenses Γ· Safe Withdrawal Rate. At 4% SWR, FI Number = Annual Expenses Γ 25. This is the total assets needed so passive income covers all living expenses.
How savings rate affects timeline
Savings rate is the #1 factor in reaching FI. At 50% savings rate: ~17 years. At 75% savings rate: ~7 years. Increasing savings rate is more controllable than chasing high returns.
What is the FIRE movement?
FIRE = Financial Independence, Retire Early. Core philosophy: achieve financial independence before traditional retirement age through high savings rates (50-70%+) and rational investing, gaining freedom to choose your lifestyle.