Financial Independence calculator

How long will it take for you to reach financial independence and retire early? This smart calculator will tell you exactly how long! If you have a blog that needs more visitors, embedding the calculator helps, here's the code:


  • Your expenses are considered to be your net income - your monthly accumulation
  • Inflation is assumed to be 2%
  • Age and gender is used to calculate a life expectancy
  • Pension is not accounted for

Three methods

  1. The 25-rule calculates when your investments reach 25-times your expenses. This is considered a good rule-of-thumb for an adequate buffer against market downturns.
  2. Fixed returns assumes you continue to get the same returns even after retirement and will optimize you to live off those capital gains.
  3. Withdraw to zero also assumes the same returns after retirement but leaves nothing for your children.
Feel free to copy the calculator on your site. I don't mind if you want to credit my work ☺️. Here's the code to embed it:
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