Tool 06 · Savings rate
The one number that sets the clock.
Here's the secret of financial independence: how soon you get there depends far more on the share of your pay you keep than on how much you earn. Find your number on the curve.
Years to independence
0
Saving 50% of your pay.
Share of take-home pay you save and invest.
Target pot = yearly spending ÷ withdrawal rate.
Target pot
$0
You save / year
$0
You live on / year
$0
Free in
0 yrs
Pro features. Add your head start, see the exact age you’re free, read insights, and export the full table.
Pro
Your real timeline
Refine the model
A head start shortens the climb — the curve drops to match.
So we can show the actual age you reach independence.
Years to FI by savings rate
Compare return rates
| Annual return | Years to FI | Free at age |
|---|
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