Your Financial Independence number, in 60 seconds.
Tell us when you want to be financially independent and the income you would need in today's prices. We translate that into the capital you must build and the monthly investment required across three growth scenarios.
Assumptions: 2% annual inflation applied to your income need until financial independence, and a 5% safe withdrawal rate — you draw only the annual return, never the capital itself.
What you would need to invest every month, starting now, to reach $1,968,727 by age 60.
Built correctly, this capital can last forever.
Because the plan is designed to withdraw only the annual return — never the capital itself — the portfolio is not consumed by your retirement. It continues to work, keeps pace with inflation over time, and remains intact.
That means the same capital that funds your financial independence can later be transferred to your children or other beneficiaries — becoming a multi-generational asset rather than a balance that runs down. With the right structuring, that transfer can be arranged efficiently and on your terms.
Important
This calculator is for educational purposes only and does not constitute financial advice. Projections assume constant growth and inflation rates and do not account for sequence-of-returns risk, taxation, or fees. For a personalised analysis, book a complimentary consultation with one of our advisors.