Act I: Your Snapshot
Where you are today
Let’s walk through your numbers one at a time. Enter each value to continue.
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Act II: Your Path
Choose your destination
Financial independence means different things to different people. Pick the version that resonates with your life.
Act III: Your Plan
Your plan
Projected to reach FI in
44.1 years
Your FI Number: $1,428,571
Monthly invest
$800
Savings rate
20%
Annual expenses
$60k
Progress
1%
Foundation first
Your cash savings cover less than 1 month of expenses. Before focusing on investments, build this to at least 3 months — a job loss or unexpected bill would otherwise force you to sell investments at the worst time. Why this matters for your FI plan →
On track for financial independence in approximately 44.1 years
You earn $6,250/month, save 20% of it and $20k invested. You're targeting financial independence in 44.1 years. On this trajectory, you could reach it in approximately 44.1 years.
Your priority actions
Build emergency fund to 4 months
You have less than 1 month of expenses in cash. Consider redirecting $500/month to savings before increasing investments.
These projections are for educational purposes only and are not personalised financial advice. Results depend on the inputs you provide and assume consistent behaviour over time. Learn more →
Explore: retirement spending
That's $60k/year of retirement spending.
$20,000 of $1,428,571
Trajectory
Save your starting point and get a monthly check-in — come back next month to see what’s shifted.
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Share your progress
On the path to financial independence
Full FI
~44 years away
Progress to FI
1%
Complete freedom. Work becomes optional.
independence.money
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