OUR GREEN LIFE
What’s your financial independence number?
This is the live version of the calculator from The Financial Freedom Formula. Change any number below, and watch your target and your monthly investment goal update in real time.
YOUR NUMBERS
$
Everything you spend in a year: housing, food, bills, fun money.
$
What you’ve already got invested toward this goal.
years
7%
A conservative long-term average, after inflation, is typically around 7%.
YOUR FINANCIAL INDEPENDENCE NUMBER
$1,250,000
Invested at a 4% withdrawal rate, this covers $50,000 a year, indefinitely.
TO GET THERE IN 20 YEARS, INVEST
$2,461 /mo
Starting from your current $10,000, growing at 7% a year.
0.8% funded today$1,250,000
Why ×25?
It’s the inverse of the 4% rule: if 4% of your portfolio covers a year of expenses, your full portfolio needs to be 25 times that amount.
Why 4%?
Research on diversified portfolios suggests withdrawing 4% a year gives you a strong chance of never running out of money.
It’s a guide, not gospel
Your real number depends on taxes, market swings, and your life. Treat this as a strong starting point, not a locked-in verdict.
Want a plan built around your actual numbers?
I’ll help you turn this target into a month-by-month plan you can actually stick to.
