Financial Planning
Financial Independence Calculator
When can you live off investments?
Financial independence is the point where your investment income covers your living expenses. This calculator estimates when you'll reach that milestone based on your current savings rate.
£100,000
£25,000
£35,000
6%
Frequently Asked Questions
What is the 4% rule?
The 4% rule states that you can withdraw 4% of your portfolio annually (adjusting for inflation) with a high probability of your money lasting 30+ years. It's the most commonly used benchmark for financial independence planning.
How does savings rate affect time to FI?
Savings rate is the single most important factor. A 50% savings rate typically reaches FI in about 17 years, while a 25% rate takes about 32 years (assuming 6% real returns).
Want personalised advice?
Calculators provide useful estimates, but your financial plan should be built around your specific circumstances. Book a free consultation to discuss your situation.
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