FI Number Calculator
Discover how much you need to achieve financial independence
The FI (Financial Independence) Number is the amount of money you need to accumulate to live off your investment returns without depending on active work. It is the main goal of the FIRE movement (Financial Independence, Retire Early).
4% Rule
Based on the Trinity Study, it suggests you can withdraw 4% annually from your portfolio without depleting your capital in 30+ years.
Expense Multiplier
Multiply your annual expenses by a factor (25×, 30×, 33×) to get your FI number.
Real Return
Your investment return after deducting inflation. Customize based on your expectations.
FIRE Variants
Different financial independence styles adapted to different lifestyles and strategies.
Parameters
The 4% rule comes from the 1998 Trinity Study. It indicates you can withdraw 4% of your portfolio annually with a high probability it will last 30+ years.
Cover 100% of your current expenses with investments.
Amount you need today to reach traditional FI at your target retirement age without contributing more.
Tips to accelerate your path to FI
- 💡Reduce expenses: Every dollar less in expenses reduces your FI number by $25 (4% rule).
- 💡Increase your income: More savings means reaching FI faster.
- 💡Invest consistently: Compound interest is your best ally.
- 💡Choose the FIRE variant that fits your ideal lifestyle.
This calculator is for educational purposes only. Consult a certified financial advisor before making investment decisions.