Know the Number · Build the Plan

What's your Financial Independence number?

Most people want to retire someday. Very few know their number. Find out how much you may need invested to create the income you want — and how much to save each month to get there.

Your Financial Independence Number is the amount of invested money you'd likely need to create the income you want without running out. A common rule of thumb is the 4% withdrawal strategy: if your investments are large enough, you may be able to withdraw about 4% per year.

  • How much you may need invested by retirement
  • How much you should be saving each month now
  • Whether your current strategy is on track
  • What changes may help close the gap
The Simple Formula

Desired annual income × 25 = your Financial Independence Number

Example: to create $100,000/year using a 4% strategy, you may need roughly $2.5 million invested. The goal isn't to scare you — it's to give you clarity and a target you can actually plan around.

Interactive Planner

$100,000
$50,000
$1,000
40
65
7.0%
$2,000
$0

Your Result

Your Financial Independence Number
$2,500,000
investments must produce $76,000/yr after your $24,000/yr in expected benefits
$992
Additional per month, on top of your current savings
25 yrs
Until your target retirement age
Your current trajectory58%
On your current path, you're projected to reach about $1.10M of the target.

Your Starting Action Plan

    These figures are hypothetical estimates for educational purposes only. They are not a guarantee, projection, or offer, and do not account for taxes, fees, or market volatility. Actual results vary. This is not financial, tax, or investment advice.

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