Finance
FIRE Date Calculator
Savings rate determines your years to financial independence — math is independent of income.
Years to FI
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- Savings rate
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- Annual savings
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- FI number
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FAQ
Why is savings rate the magic variable? +
A 50% savings rate gives FI in ~17 years regardless of absolute income. Cutting expenses is more powerful than raising income.
Inflation? +
Use real (inflation-adjusted) return — typically 5% for stock-heavy portfolios after 2-3% inflation.