Based on FIRE (Financial Independence, Retire Early) principles. Calculate your FI number, years to freedom, and track progress toward financial independence.

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🔢 Financial Status

Annual Expenses ($)

Total yearly expenses

Annual After-Tax Income ($)

Total annual take-home pay

Current Savings/Investments ($)

Currently accumulated investable assets

Safe Withdrawal Rate (%)

4% classic, 3% conservative, 5% aggressive

Annual Investment Return (%)

Expected annual investment return

Income Growth Rate (%)

Expected annual income growth

📊 Financial Freedom Analysis

FI Number
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Expenses ÷ Withdrawal Rate

Savings Rate

(Income-Expenses)/Income

Years to FI

Annual Savings

Current yearly savings

Target Passive Income

Annual passive income needed

Progress

Current / Target Assets

📖 Understanding Financial Freedom

What is a FI Number?

FI Number = Annual Expenses ÷ Safe Withdrawal Rate. At 4% SWR, FI Number = Annual Expenses × 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.