Change the Inputs. Change the Outcome
A growing set of free and interactive tools to help you work through your own FI equation and make clearer decisions with it.
Every tool here is built on assumptions. I disclose them as clearly as I can, but an assumption that works in general may not always fit the FI equation you're working through. Treat what these tools show you as a starting point for your own thinking, not an answer.
FI Number
See how much you need to reach financial independence by entering your current spending, adjusting for how it might change in retirement, and toggling the withdrawal rate to test the 4% rule for yourself. Shown in today's dollars.
Savings Rate Calculator
Find the percent being saved toward retirement by entering your gross income and what you set aside across various accounts. See your total savings rate, including any employer contributions and how much of the rate they provide, then carry the result straight into the FI Timeline tool.
FI Timeline
Estimate the age and number of years to reach financial independence by entering your age, gross income, savings rate, and what you have saved today. Set your target two ways: a quick estimate using the share of income you expect to replace in retirement, or a precise figure for your annual retirement spending. Shown in today's dollars.
Bucket Allocation Calculator
See how a portfolio could divide between stable and growth holdings based on when you'll need the money instead of your age. Enter your portfolio and base annual spending, then add any one-time costs or income that starts later, such as health premiums covered until Medicare or a pension that begins in a few years. See the split by bucket in both percentages and dollars. Shown in today's dollars.
Age-Based Allocation Calculator
See how a common rule of thumb divides a portfolio between stable and growth holdings using your age. Choose which rule to apply, 100, 110, or 120 minus your age, and set an optional floor so the growth share never drops below a level you pick. See the split in both percentages and dollars. It's the idea behind target-date funds, sometimes called a glide path.
This content is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice.
See full disclaimer.