Financial Independence
Estimate when your portfolio could cover your living costs. Choose either a safe withdrawal approach or a dividend-income-only target, then track FI age, coast FI, and progress toward an inflation-adjusted goal.
Estimates only — not financial advice.
1Input Details
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Portfolio vs FI target over time
Your portfolioFI target (inflation-adjusted)
60.000 / 1.050.0007.122.972 / 2.882.691
How it works
How to use
- Enter age, spending, current savings, monthly additions, and expected return.
- Choose withdrawal mode (classic FI number) or escape velocity (live off dividends only) and set the matching rate.
- Read your FI age (if reached within the model), today’s FI target, coast FI, and the chart vs the moving target.
How it works
Withdrawal strategy: FI target = annual expenses ÷ safe withdrawal rate (e.g. the 4% rule). That is the portfolio size implied if you withdraw that fraction of the portfolio each year in retirement.
Expenses and the implied FI target increase each year with your expense inflation input. Your portfolio compounds at the expected return with monthly contributions until it crosses the inflating target.