Enter your numbers. Find out exactly how many years separate you from financial independence — based on the 4% rule and compound growth.
Monthly expenses €2,500
€
All fixed + variable costs per month
Current savings €50,000
€
Invested capital today
Monthly savings €1,000
€
Amount invested each month
Target monthly income €2,500
€
Passive income goal (rente)
Annual return
6%
0%ETF avg ~6-8%15%
Withdrawal rate
4%
2%Standard 4% rule6%
FI Progress today
0%
Capital progression
Capital
FI target
⚡ At this rate, FI is not reachable
◆ Milestones
Methodology
FI target = (monthly income × 12) ÷ withdrawal rate. Capital simulated year by year: Cₙ = Cₙ₋₁ × (1 + r) + monthly savings × 12. The 4% rule (Bengen 1994, Trinity Study) suggests a 4% annual withdrawal is sustainable over 30+ years with a diversified portfolio. Past returns do not guarantee future results. For educational purposes only.