Financial Independence
Estimate when your portfolio could cover your living costs. Opens in escape velocity mode (live off dividends at ~4% yield); switch to safe withdrawal if you prefer the classic FI number. Track FI age, coast FI, and progress toward an inflation-adjusted goal.
Estimates only — not financial advice.
1Input Details
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How it works
How to use
- Starts in escape velocity mode — dividend income only (default ~4% yield). Turn off the toggle to use the classic safe-withdrawal FI number instead.
- Enter age, spending, current savings, monthly additions, and expected return.
- Set dividend yield (escape velocity) or safe withdrawal rate (withdrawal mode) to match your strategy.
- 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
Escape velocity: FI target = annual expenses ÷ dividend yield. The model assumes dividends could cover spending without selling shares; the portfolio also grows with your expected return and contributions.
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.