Financial Independence Tool

1) Current position

All dollars are USD

Current investable portfolio

Monthly contribution (invested)

Contribution growth / year (optional)

Start year

2) FI goal

Spend target + withdrawal rate

Annual spending target (today’s $)

Safe withdrawal rate (SWR)

Inflation-adjust target (recommended) FI target grows each year by inflation

3) Return assumptions

Nominal return + inflation

Expected nominal return / year

Inflation / year

Contribution timing

Advanced Optional

Real return note: If inflation is enabled, this tool uses nominal return for portfolio growth and inflates the FI target (and optionally the spending line). If inflation is disabled, everything is in today’s dollars.

Max projection years

Target year (optional)

Tax/fee drag on returns (optional)

Allow negative returns in charts

Tax/fee drag: a simple reduction to expected return (e.g., 1% turns 7% into 6%). This is a planning shortcut, not a full tax model.

Tip: If you want the tool to behave like “today’s dollars,” leave inflation unchecked. If you want a more realistic FI target over time, enable inflation.

Estimated Results

—

Status: Ready • Method: FI projection

FI number

$—

Annual spend ÷ SWR

Time to FI

—

Projected years to reach target

FI year

—

Start year + years

Portfolio at FI

$—

Projected value when target is hit

Avg annual contribution

$—

Including contribution growth (if set)

Return vs inflation (net)

—%

Approx real return after drag

Portfolio vs FI target

Yearly projection

Contributions vs growth

What’s doing the work

Year	Start	Contrib	Growth	End	FI Target	Progress
Run a calculation to see the table.

Important: This is an educational planning estimate, not financial advice. Returns are uncertain, inflation varies, and real-world taxes/fees can differ materially.