Free Calculator

Savings Rate & Time-to-FI Calculator

Enter income, spending, and expected real return. The model calculates your savings rate, FI number, and how many years until your portfolio can safely fund your spending.

Annual gross income ($)

Annual spending ($)

Expected real return (%)

Safe withdrawal rate (%)

Current invested net worth ($)

Savings rate

41.7%

FI number

$1750000

Years to FI

19.7

Projected net worth in 10 yrs

$710339