FI Number Calculator
Find the number that buys you freedom.
Financial independence isn't about being rich โ it's about having enough. This calculator finds your FI number and exactly how much you need to save every month to get there.
Annual expenses
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25
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Your FI Number
Your lifestyle in retirement
Think about what your ideal retirement life actually costs. Lean is stripped-back. Traditional is comfortable. Fat is abundant.
๐ธ Annual Living Expenses
$
Minimal but meaningful. Every expense earns its place.
$
Comfortable and sustainable. Your current lifestyle, maintained.
$
Abundant and spacious. Travel, generosity, full optionality.
Your current position
Where are you starting from? No judgment โ this is your financial assessment, not a performance review.
$
Total across your 403(b), Roth IRA, brokerage, and other investment accounts.
%
Historical S&P 500 average is ~7% inflation-adjusted. Use 6โ8% for broad index funds.
The age you want your investments to be able to support your lifestyle.
Other income sources โ optional
These reduce how much your investments need to cover, which lowers your FI number.
Clinical note: Your FI number represents the amount your investments need to cover โ not your total lifestyle cost. Income from Social Security, pensions, rental properties, or passion projects offsets this amount. When other income covers part of your expenses, your investments need to cover less โ effectively shrinking your FI number and narrowing the gap you need to fill with savings.
๐๏ธ Social Security
$
๐ Pension
$
๐ Rental Income
$
Your FI Blueprint
Here's what financial independence looks like across three scenarios โ pick your target.
๐ฑ Lean FI
Lean FI
Lean but intentional. Covers essentials and simple joys without excess.
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25
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โ
How much to save & invest monthly?
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per month to reach Lean FI by age โ
โจ Traditional FI
Traditional FI
Comfortable and sustainable. The classic FI target for most nurses.
โ
ร
25
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โ
How much to save & invest monthly?
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per month to reach Traditional FI by age โ
๐ Fat FI
Fat FI
Full abundance. Travel, generosity, total optionality โ unapologetically.
โ
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25
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โ
How much to save & invest monthly?
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per month to reach Fat FI by age โ
How close are you right now?
Years to Goal FI Age
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Your Current Investments
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already working for you
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