How long until financial independence?

Adjust the three inputs to see roughly when work could become optional. A tool to think with, not a prediction.

Your age today 35

Savings rate 30%

Share of your take-home pay you save each year.

Savings today 0× income

What you've already saved, as a multiple of your take-home annual income.

Financial independence around

age 59

24 years from now

Assumptions: 7% average real return (after inflation), a savings rate held steady over time, and a financial independence target of 25× your annual spending (the 4% rule). Real life varies — markets fluctuate, rates change, and life happens. Treat the result as a rough landmark, not a forecast.