Tools · Savings Rate

Savings rate to
financial independence.

Adjust your savings rate and watch your years to financial independence change in real time. The single most powerful financial variable, visualized. Based on the savings-rate table.

Savings rate auto-calculates from these two.

Real return = nominal return minus inflation. Historically ~5% for a diversified equity portfolio. SWR of 4% = classic Bengen rule.

FIRE NUMBER
$0
SAVINGS RATE
0%
YEARS TO FI
0
WHAT IF YOU INCREASED YOUR SAVINGS RATE?
40%
THE TABLE
What this tool assumes
  • Savings rate = annual savings / annual take-home pay.
  • Years-to-FI uses a 4% SWR (25x expenses) on real returns.

Not financial advice. Assumes constant real return and constant savings rate; real outcomes vary with market timing and life changes.

Related

→ Financial Numbers, the context → FIRE Calculator → FIRE Guide → Budgeting
HOW THIS IS CALCULATED

This tool runs entirely in your browser — no data is sent to any server. All formulas use standard financial math. Verify the methodology or inspect the source code in your browser's dev tools.