Savings Rate Calculator
Enter your income and expenses to get your savings rate, FI number, and years to financial independence — plus a sensitivity table showing how each 5% increase cuts years off your timeline.
Years to FI by Savings Rate
| Savings Rate | Monthly Savings | Years to FI |
|---|---|---|
| 10% | $600 | 38.4 |
| 15% | $900 | 33.1 |
| 20% | $1,200 | 29.0 |
| 25% | $1,500 | 25.7 |
| 30%← you | $1,800 | 22.9 |
| 35% | $2,100 | 20.4 |
| 40% | $2,400 | 18.2 |
| 45% | $2,700 | 16.1 |
| 50% | $3,000 | 14.2 |
| 55% | $3,300 | 12.5 |
| 60% | $3,600 | 10.8 |
| 65% | $3,900 | 9.3 |
| 70% | $4,200 | 7.8 |
Your FI number is the portfolio size where you can live off investment returns indefinitely. The 4% safe withdrawal rate (from the Trinity Study) means you need 25× your annual expenses. At that level, historical data shows your portfolio survives 30+ years in almost all market conditions.
Returns and withdrawal rates are adjustable — lower withdrawal rates (3–3.5%) are more conservative for early retirees with longer horizons.
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