FI Number Calculator
Find the exact portfolio size you need to be financially independent - and how long it will take to get there.
Learn how this calculator works →Your numbers
Real return: 4.4% · All figures in today's money.
Your FI number
£625,000
Based on £25,000/year at a 4% withdrawal rate
Portfolio progress
0%£625,000 still to go
Portfolio projection
Timeline to FI
31
years
How your savings rate affects the timeline
Saving more shortens your path to FI - often faster than chasing higher returns.
| Annual savings | Monthly | Years to FI |
|---|---|---|
| £5,000 | £417 | 44 |
| £7,500 | £625 | 36 |
| £10,000 ← current | £833 | 31 |
| £15,000 | £1,250 | 25 |
| £20,000 | £1,667 | 21 |
Want to understand the maths?
Read: The Ransom Price - Calculating Your Financial Independence Number →The article behind the calculator. How the 4% rule works and why it matters.
Year-by-year breakdown
This calculator is for illustrative purposes only and does not constitute financial advice. Returns are not guaranteed. Past performance is not indicative of future results. All figures shown in today's money using a 2.5% inflation assumption.
Enjoying the content?
If this site has been useful, a coffee goes a long way.