Three steps
- 1
Enter your numbers
Invested today, monthly investing, freedom spending, age, and return assumptions - in the sidebar.
- 2
See your timeline
Freedom number, years to FI, projected path, and progress for your selected goal style.
- 3
Compare & adjust
Switch FI styles, read the levers, and see what moves your date.
Methodology
How we calculate your path
Freedom number
Annual freedom spending ÷ withdrawal rate (you set both in the sidebar). Example: $49,200/year at 4% → about $1.23M invested target.
Years to FI
We compound invested balances at your expected return and add monthly contributions until invested assets first reach your active goal target (Standard, Lean, Coast, or another style).
Coast FI & other styles
Coast FI uses a present-value target: enough invested today so growth alone reaches full FI by your target age. Lean, Barista, and Fat FI adjust spending or income assumptions - see the FIRE numbers grid on the calculator.
Net worth vs FI progress
The chart shows projected invested assets over time. The green marker is when that line crosses your target.
What we do not model
- Tax, benefits, or country-specific rules
- Sequence-of-returns risk in detail
- Dynamic spending in retirement
- Personalized advice - this is a planning sketch, not a forecast
Related guides
FAQ
Frequently asked questions
The invested portfolio size you need so work becomes optional on paper: annual freedom spending divided by your withdrawal rate (often 4%). It is a planning target, not a guarantee.
We project how your invested assets grow with your expected return and monthly contributions, then find when they first reach your freedom number - or the Coast, Lean, or other goal style you select.
Investable assets: stocks, cash, pensions, and custom assets you add. Projections and progress use invested assets only - not home equity or debt.
Net worth is your full balance sheet. FI progress is invested assets as a share of your active goal target - the part that can fund independence at the spending and withdrawal rate you set.
Lean FI uses lower spending assumptions. Coast FI is the lump sum needed today so growth alone reaches full FI later. Fat FI adjusts for higher spending. Pick a style in the FIRE numbers grid to drive your headline and chart.
Many planners start at 4% (the “4% rule” as a rough heuristic). A lower rate raises your freedom number but adds margin. FI Runway lets you change it in the sidebar and see the effect immediately.
Enter amounts as you understand them - usually gross investing and pre-tax spending goals. We do not model tax, benefits, inflation beyond a simple assumption, or country-specific rules.
No. FI Runway is for education and curiosity. Talk to a qualified professional before major financial or life decisions.