Sam · What-If StrategistWhat if I reached financial independence?
Financial independence is the point where your assets could cover your life without a paycheck. See when you could get there.
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The number that buys you freedom
Financial independence usually means having enough invested that a safe withdrawal covers your spending — often estimated as 25 times your annual costs. This works out your number and how long your current saving pace would take to reach it.
Questions people ask
What is financial independence (FIRE)?
It's having enough invested that the returns can cover your living costs, so paid work becomes optional. A common benchmark is 25 times annual spending, drawn down at about 4% a year.
How is the FI number calculated?
The simple version multiplies your annual spending by 25 (the inverse of a 4% withdrawal rate). It's a rule of thumb, not a guarantee — lower spending or higher saving brings it closer.
Is the 4% rule safe?
It's a widely cited guideline based on historical data, but it isn't certain, especially for very long retirements or weak markets. Treat these numbers as educational, not a plan.
Related what-ifs
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