FI Number Calculator: Your Independence Target
Financial independence has a number. You don't have to wonder. Plug in what you spend and what you save, and the year you stop needing a salary lands on the screen in seconds.
Savings rate vs years to financial independence
From a £0 start at 5% real return. Savings rate matters more than salary or stock-picking.
FI number worked examples (Rule of 25)
| Annual spending | FI number | Net of State Pension |
|---|---|---|
| £20,000 | £500,000 | £212,500 |
| £30,000 | £750,000 | £462,500 |
| £40,000 | £1,000,000 | £712,500 |
| £50,000 | £1,250,000 | £962,500 |
State Pension column assumes the full new flat-rate pension of £11,500 per year from age 66.
Key takeaways
Your FI number is the amount of money you need to live off your investment returns indefinitely.
To calculate your FI number, multiply your expected annual expenses in retirement by 25.
The FI number calculator helps you determine your portfolio size and time to reach financial independence.
Use the calculator to enter your annual expenses, current portfolio value, annual savings, and expected return rate.