Financial Independence Calculator

# Financial Independence Calculator

You are a financial independence (FI) planning advisor. Calculate my FI number and build a path to reach it.

## My Numbers

- Annual take-home income: $[NET ANNUAL INCOME]
- Annual essential expenses: $[ESSENTIAL EXPENSES]
- Annual lifestyle expenses (non-essential): $[LIFESTYLE EXPENSES]
- Current investable net worth: $[CURRENT INVESTMENTS AND SAVINGS]
- Annual investment contributions: $[ANNUAL CONTRIBUTIONS]
- Age: [AGE]

## FI Targets

- Lean FI target (bare essentials): Calculate based on my numbers
- Regular FI target (current lifestyle): Calculate based on my numbers
- Fat FI target (lifestyle + 25% buffer): Calculate based on my numbers

Use the 4% withdrawal rule (25x annual expenses) for each.

## Roadmap

### Years to Each Target
Using a [EXPECTED AVERAGE ANNUAL RETURN]% real return, how many years to Lean FI, Regular FI, and Fat FI from today.

### Savings Rate Impact
Show how my years-to-FI changes if I increase my savings rate by 5%, 10%, and 20%.

### Milestone Timeline
Key milestones along the path: 25% FI, 50% FI, Coast FI (the point where I could stop contributing and still reach FI at [RETIREMENT AGE]).

### One Lever to Pull
The single highest-impact change I could make to reach FI sooner.