Discover Your FI Number
Your magic number for Financial Independence. Plan your escape from the rat race and live life on your terms.
Enter Your Annual Spending & SWR
Your Calculated Financial Independence Number
Plan Your Journey to Financial Freedom
Understanding Your FI Number
The magic number for financial independence and your key to true freedom
Enter Your Annual Spending & SWR
Your Calculated Financial Independence Number
Plan Your Journey to Financial Freedom
Your FI Number: The Key to Financial Freedom
Your Financial Independence (FI) number is the amount of money you need invested to live off the returns indefinitely, without needing to actively work for income. It's your personal gateway to freedom.
Knowing your FI number empowers you to:
- Set a clear, tangible goal for your financial journey.
- Make informed decisions about your spending and saving habits.
- Track your progress towards achieving financial independence.
- Design a life aligned with your values and aspirations.
Ignitify's FI Number Calculator makes this critical calculation accessible.
Key Features of the FI Number Calculator
Built with your FI/RE journey in mind, offering more than just basic calculations
Annual Spending Input
Enter your desired annual spending in retirement to form the basis of your FI number calculation.
Safe Withdrawal Rate (SWR)
Utilise common SWRs (e.g., 4% rule) or input your own to determine how much you can withdraw from your portfolio each year.
Calculate Your FI Target
Instantly see the total investment portfolio size you need to achieve Financial Independence based on your spending and SWR.
Plan for a Secure Future
Understand the amount you need to save and invest to reach your FI number and live off your investments indefinitely.
Two Simple Steps to Find Your FI Number
Our FI Number Calculator is designed for simplicity, helping you discover your financial independence target in minutes:
Step 1: Define Your Annual Spending
How much do you estimate you'll need to spend per year to live comfortably in retirement? This forms the foundation of your FI number calculation.
Step 2: Choose Your Safe Withdrawal Rate
Select a SWR (e.g., the common 4% rule) or input your preferred rate. This determines how much of your portfolio you can withdraw annually while preserving your capital.
Explore Other Financial Tools
Continue your journey to financial clarity with our other specialized calculators, designed to help you plan every aspect of your FI/RE journey.
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Ready to Find Your FI Number?
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