Your FI Number & Withdrawal Simulator

The Financial Independence Number & Withdrawal Simulator helps you estimate the amount you’ll need to reach financial independence — your FI Number. Simply enter your annual living expenses, expected investment return, planned withdrawal rate, and years of retirement.

You can also choose whether your withdrawals stay fixed — based on your initial portfolio value — or adjust each month as your balance changes. This lets you see how a steady withdrawal strategy compares to one that moves with the market.

Your FI Number shows how large your portfolio needs to be for your investments to sustainably cover your annual expenses. Keep in mind that your retirement expenses may differ — some costs (like commuting or work-related expenses) might decrease, while others (such as health insurance or travel) may increase.

The chart below illustrates how your balance could grow if your investment return exceeds your withdrawal rate, showing how sustainable your plan may be over time.

Once you know your FI Number, you can use the Investment Calculator to explore how long it may take to reach your goal based on your recurring deposit and returns.