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How Far Are You From Financial FreedomHow Much Money Do You Need to Retire

Plan your path to financial freedom with smart calculations. Based on the 4% safe withdrawal rate, know exactly how far you are from early retirement.

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2.5%

Safe Rate

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Withdrawal Rule

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Languages

🎨Color Legend

≤ 1Y

≤ 10Y

≤ 50Y

> 50Y

Forever

SavingsAnnual Expense	100K	200K	300K	500K	750K	1000K	2000K	3000K
20K	6Y	16Y	37Y	Forever	Forever	Forever	Forever	Forever
30K	3Y	9Y	16Y	50Y	Forever	Forever	Forever	Forever
40K	2Y	6Y	10Y	25Y	75Y	Forever	Forever	Forever
60K	1Y	3Y	6Y	12Y	25Y	50Y	Forever	Forever
80K	1Y	2Y	4Y	8Y	15Y	25Y	Forever	Forever
120K	0Y	1Y	2Y	5Y	8Y	12Y	50Y	Forever
150K	0Y	1Y	2Y	3Y	6Y	9Y	28Y	100Y
200K	0Y	1Y	1Y	2Y	4Y	6Y	16Y	37Y
300K	0Y	0Y	1Y	1Y	2Y	3Y	9Y	16Y

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Notes:

If annual expense ≤ principal × 2.5%, savings will last forever; if expense > principal × 2.5%, calculated by formula (rounded down).
Low consumption can be sustained indefinitely. High consumption approaches no-interest model but slightly longer. Consider inflation and interest rate fluctuations.

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