IndieDev FIREFinancial Freedom Calculator
Plug in your numbers. See your exit.
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Advanced SettingsReturn 7% · Tax 15%
15%
7%
7% Return — S&P 500 avg. (inflation-adj.)
15% Tax — U.S. long-term capital gains
Net WorthFI Target
Time to Freedom
15 yrs, 11 mo
Target: March 2042
FI Number$1.5M
Progress0%
Remaining$1.5M
Estimates assume consistent returns. Actual results will vary.
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The 4% Rule
Research shows that withdrawing 4% of your portfolio annually has historically sustained portfolios for 30+ years. Your FI Number is 25× your desired annual spending.
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Your FI Number
To cover $4,200/mo after taxes at a 15% rate, you need a portfolio of $1,482,352.94 generating 4% annually.
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Compound Growth
At a 7% annual return, your investments double approximately every 10 years. Time in market is your biggest advantage.
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