Know your FI date — and what moves it.

A transparent financial independence calculator built for serious planners. No hidden assumptions.

Disclaimer: Projections are informational and not financial advice.

Inputs

Current age

Current net worth

Annual savings

Annual spending

Expected annual return

Safe withdrawal rate

Compare a second scenario

Pro ($5/mo) will later unlock sensitivity sliders, saved scenarios, and CSV export.

FI Age

Projected FI Year

2047

Years to FI

21.0

FI Target

$1,500,000

Projected to reach FI at age 56.

Net worth projection

Annual compounding • No taxes • No inflation (v1)

Tip: Try increasing savings or reducing spending to see how quickly your FI date moves.

How it works

FI Clarity calculates your FI target (spending ÷ SWR) and projects your net worth forward annually using compounding growth plus annual savings. It’s a transparent baseline model designed for quick scenario thinking.

Pricing

Free calculator first. Pro ($5/month) will unlock sensitivity sliders, saved scenarios, scenario comparison, and CSV export.