### Years to Financial Independence

This calculator, given your spending habits and using the 4% rule, estimates how many years you are from financial independence (aka being able to retire).

The goal of this calculator is to show that:

- The most important financial principle is to spend less than you earn and save the rest
- With enough discipline, you can easily become financially independent
- Serve as a wake up call if you are not on track with your retirement savings

This should exclude any savings toward retirement. Include everything else you spend in a month. For more accuracy try averaging your yearly spend

How much money do you save for your retirement every month?

How much money/assets have you already saved? Assets that costs you money should be excluded (like the house you live in or the car you drive)

Target Retire Amount | |

Current Savings Rate | |

Years Left |

How much interest you earn after inflation. If you earn 11% interest, but inflation is 5%, then your interest over inflation is 6%

The % of your money that you can withdraw yearly from your retirement savings, without your money ever running out

Savings Rate | Years Left |
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How much interest you earn after inflation. If you earn 11% interest, but inflation is 5%, then your interest over inflation is 6%

The % of your money that you can withdraw yearly from your retirement savings, without your money ever running out