Your "enough" number
Financial independence is not about being rich; it is the moment your investments cover your life so work becomes a choice. The math is simpler than it sounds. Enter your numbers to see your target and how far you are from it.
- Your FIRE number
- $0
- Years to reach it
- 0
- You're this far
- 0%
Real (inflation-adjusted) estimate using compound growth and the 4% rule. Not financial advice.
Why the savings rate is everything
The counterintuitive truth of financial independence is that your income matters less than the gap between what you earn and what you spend. A high earner who spends it all never gets free; a modest earner who saves half can retire in their thirties, because spending less both lowers the target and raises the savings. It is the same compounding force as the 1% effect, applied to money and freedom, and it reframes what "rich" even means.