Financial Independence Calculator
Calculate the exact investment needed at your safe withdrawal rate to cover each season.
How the FI Calculator Works
For each season, the tool subtracts your passive income (rental cash flow, Social Security, pensions) from your expenses, then divides by your safe withdrawal rate to compute the investment portfolio needed.
- Set your safe withdrawal rate (default 4%)
- Track 5 passive income sources including net rental cash flow
- See required investment per season instantly
- Compare which season needs the largest portfolio
Why This Matters
Knowing you need "$2 million to retire" is vague. Knowing you need $1.23M for your FI lifestyle but only $780K for a lean retirement gives you real options and a target you can actually hit.
- Turn vague retirement goals into concrete numbers
- See how passive income reduces your required nest egg
- Compare lean vs comfortable FI side by side
Sample Output
See what this feature calculates for you.
Financial Independence Calculator
Monthly Gap
$2,900/mo
Annual Gap
$34,800/yr
SWR
4.0%
Required Investment
$870,000
Ready to Use Financial Independence Calculator?
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