Financial Independence Calculator

    "How much is enough?" — the number where your investments can cover your life and work becomes optional. Find yours, and see how close you already are.

    The FI number is your annual spending divided by a safe withdrawal rate. The optional fields project how many years until you reach it.
    Required
    Optional — for "years to FI"
    $0
    Your FI number

    Build the plan to get there.

    The free Financial Clarity for Physicians course covers the savings, tax, and investing decisions that shrink the years between you and this number.

    Get the free course Retirement age calculator All calculators

    Educational tool only. The 4% rule is a planning heuristic, not a guarantee. Not financial advice.

    Written and reviewed by Pouyan Golshani, MD, Interventional Radiologist — Last updated June 4, 2026