Financial Independence

Find your FI age, target number, and explore escape-velocity dividends.

Estimates only — not financial advice.

1Input Details

Current age

Annual expenses

€

Current portfolio

€

Monthly contribution

€

Expected annual return

Expense inflation

Escape velocity (dividends only)

Live off dividends — never sell shares

Safe withdrawal rate

Portfolio vs FI target over time

Your portfolioFI target (inflation-adjusted)

60.000 / 1.050.0007.122.972 / 2.882.691

Withdrawal strategy: FI target = annual expenses ÷ safe withdrawal rate (e.g. the 4% rule).

Both expenses and the FI target grow each year with inflation, so the model uses real purchasing power — not a fixed number.

Your portfolio compounds at the expected return rate and grows from monthly contributions until it overtakes the target.