Savings Rate Calculator
Your savings rate - not your income - is the biggest driver of how soon you reach financial independence. See how yours maps to years of freedom.
Read the guide: Retirement PlanningWhat lands in your account after tax, in any currency.
Money you invest each month (exclude one-off spending).
Optional head start. A larger balance shortens the timeline.
5.0%
CautiousOptimistic
4.0%
Assumes returns are real (after inflation) and your spending stays flat. A 5% real return and a 4% withdrawal rate are common defaults.
Your Savings Rate
30%
US$18,000 saved per year
Years to Independence
28.0 yr
From today, at this rate.
FI Target
US$1,050,000
25x your annual expenses
Years to Independence by Savings Rate
The dot marks your current savings rate. Notice how each step up cuts years off far faster than a pay rise would.
Save this result - track your whole net worth
A free account saves your figures and turns one-off calculations into a running, multi-currency net worth you can watch grow. No card, no catch.
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