How much do you need to achieve FI?

Financial Independence (FI) Calculator

Feel free to use this FI calculator below to gauge your FI journey! (p.s. All credit to The Wealthy Finn)


  • Your expenses are considered to be your net income – your monthly accumulation
  • Inflation is assumed to be 2%
  • Age and gender are used to calculate a life expectancy
  • Pension is not accounted for

Three methods

  1. The 25-rule calculates when your investments reach 25-times your expenses. This is considered a good rule-of-thumb for an adequate buffer against market downturns.
  2. Fixed returns assume you continue to get the same returns even after retirement and will optimize you to live off those capital gains.
  3. Withdraw to zero also assumes the same returns after retirement but leaves nothing for your children.