🔥 Financial Independence Calculator 🔥
📱 On mobile? Tap Fullscreen mode below and, after entering your data, rotate your phone horizontally to view the chart and map properly.
📌 Instructions
This tool helps you calculate your timeline for reaching financial independence (FI), when you can live off your investment portfolio.
The tool calculates 1) what your target portfolio should be (your FI number), based on your retirement spending needs, and 2) the number of years it will likely take you to get there based on average returns.
The tool also estimates 3) how your FI timeline changes if you decide to retire abroad. To do so, it considers data on cost of living (Numbeo, 2025). The map and table compare FI timelines across 106 countries.
Input the following key financial details: Net Annual Income (after tax); Current Annual Expenses; Current Portfolio Value; Expected Annual (Real) Return on Investment (%); Safe Withdrawal Rate (%) (FAQs below); Projected Annual Expenses in Retirement; Current Country of Residence; Current Age.
You can enter the values in your country currency.
The tool assumes you invest the difference between your Net Annual Income and Current Annual Expenses.
You can download the plot and map as .png and the table as .csv.
FAQs: Coming soon…
Check out our Financial Independence Tools (Works for PC only)
Tool: Best Countries for Retirement: Where to Retire Abroad?
Tool: Identify Countries Where Relocating Can Help You Achieve Financial Independence Faster
Tool: Identify Cities Where Relocating Can Help You Achieve Financial Independence Faster
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