Calculate your exact financial independence number, how many years until you reach it, and the probability across 1,000,000 Monte Carlo market scenarios. Free forever.
Financial independence (FI) means your invested assets generate enough passive income to cover your living expenses indefinitely — without needing employment. Work becomes optional. You choose whether to work, and why.
The standard calculation is the 25x rule: your FI number is 25 times your annual spending. This is mathematically equivalent to the 4% safe withdrawal rate.
But 25x is just the starting point. The actual FI number depends on your retirement age, country, investment strategy, and risk tolerance — which is why Monte Carlo simulation matters.
Multiply your annual expenses by 25. Then adjust for your country's tax rate and historical market returns. Our calculator personalises this for you.
Every percentage point increase in savings rate cuts your FI timeline significantly. Going from 15% to 25% savings can shorten your path by 7+ years.
A total market index fund with <0.1% expense ratio typically outperforms actively managed funds over 10+ year horizons. Minimise fees and taxes.
As you progress, regularly re-run simulations to see your updated probability of FI and whether you're on track — accounting for real market conditions.
Get your personalised FI number, timeline, and success probability — based on your specific income, expenses, country, and investment strategy across 1,000,000 scenarios.
⚡ Find My FI Number Now