Back to Financial Toolkit
Financial Independence
Your FI number, the 4% rule, and how far along you are.
FI Number (25× Rule)
How much invested wealth you'd need to sustain your spending indefinitely, at 25 times annual expenses.
Planning assumption
4% Rule
An estimate of how much you can withdraw from a portfolio in the first year of retirement.
Planning assumption
FI Progress
How close your current investments are to your FI number.
Formula
FI Date
An estimated calendar date you'd reach financial independence, given your current savings and contributions.
Planning assumption
Coast FIRE
The point where your existing investments alone will grow into a full FI number by retirement age, even without saving another euro.
Planning assumption
Lean FIRE
A financial independence target built around a lean, minimal-expense lifestyle.
Planning assumption
Fat FIRE
A financial independence target built around a more comfortable, higher-spending lifestyle.
Planning assumption