Find your savings rate — the share of income you keep. It's the single biggest lever on how soon you reach financial independence.
The years-to-FI figure assumes a 5% real return, 4% withdrawal, and starting from zero — a rough illustration of how powerful savings rate is, not a personal projection. General information, not advice.
Your savings rate does double duty: a higher rate means you save more and live on less, which lowers the number you need. That's why someone saving 50% reaches independence in roughly half the time of someone saving 15% — regardless of income.
Savings rate = (income − expenses) ÷ income
15% is a common baseline for a normal retirement age; FI-minded savers push for 30–50%+. Any increase pulls your timeline in.
Use take-home (after-tax) income and real spending for the truest picture of what you keep.
Related: FIRE calculator · 50/30/20 budget · compound interest calculator · all free calculators.
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