A question that is often asked is “When can I retire?” The most important factor in answering that question is your savings rate.

The higher your savings rate, the sooner you can reach financial independence based on your current spending.

When your Able to Draw exceeds your Desired Income you are financially independent.

Click here for additional information on how to fill out this calculator

Please note: This calculator is optimized for Desktop viewing. On Mobile, horizontal view is better but not ideal due to the large datasets

Person 1

Annual Savings Percentage (%):
Employer Match (%):
Portfolio Value:
Pay Increase (%):

Person 2

Annual Savings Percentage: %
Employer Match: %
Portfolio Value:
Pay Increase: %

Additional Data

Annual Return (%):
Inflation Rate (%):
Desired Withdrawl Rate (%):
% of Current Income Needed in Retirement:

Savings Rate

saving rate data

Gross Savings ÷ Gross Income

FI Target Amount


Based on current input

Years Until FI

number of rows

Based on current savings rate

Yearly Breakdown



Enter current income

Annual Savings (%)

Enter the % of your salary you’re currently saving each year

Employer Match (%)

Enter the % of your salary your employer matches each year

Porfolio Value

Enter your current portfolio value

Pay Increase (%)

Enter your expected annual pay increase percentage

Annual Return (%)

Enter a return rate that you expect your investments to earn over time

Inflation Rate (%)

Enter a value to account for inflation each year

Desired Withdraw Rate (%)

Enter your desired withdraw rate. (LeanFI ~5%,Fi ~4%, FatFI ~3%)

% of Current Income Needed in Retirement

Enter the % of your current income (today’s dollars) needed in retirement, we account for inflation for you

Notes & Assumptions: We do not account for pre vs post tax savings. We don’t know what the tax rates will be in the future. Annual Returns vary.