The FI Projection page allows you to input Investments, Other Assets, Debts, Income, Expenses, Pre-Tax Investments (401K/HSA), Retirement Expenses, Retirement Withdrawal Rate (4% default), optionally pay off your debts, add padding to your FI number, and see the time your FI Projection will take for you to reach FI, based on a number of different Rate of Returns, defaulting to 7%.

Fill out your data in a section, collapse the panel (click on it), and move on to the next area. Click 'View' to see how the current Rate of Return affects your Path to FI.

Plan and project based on your current financial situation to estimate the time it will take you to reach Financial Independence (FI). This tool helps you visualize your path to FI by calculating your savings and investments growth, and shows you how your contributions and rate of return affect the time to FI.

How It Works

1. Input your Financial Data: Enter your current investments, other assets, debts, monthly income, monthly expenses, extra pretax investments, retirement expenses, and the withdrawal rate. Optionally, you can add extra funds to pay off debts or pad your FI number.
2. Live Projection Updates: The page updates dynamically in real-time as you adjust your financial inputs, showing you how long it will take to reach your FI goal.
3. Customize Your Rate of Return: You can choose a custom rate of return for your investments, with a default set to 7%. The tool will calculate your projected growth based on this return rate.
4. Interactive Graph: View a live-updating compound interest graph that shows your investment growth over time. The graph updates as you adjust inputs like contributions or rate of return. Click 'Show Details' to view the year-by-year breakdown of the numbers for the current projection.
5. Path to FI: The simplified view shows the time it will take for you to reach your FI number based on your current investments and projected growth, giving you a visual representation of your progress.
6. Save and Manage Your Projections: You can save your projections in the local browser storage, create new templates, and return to your saved projections in the future. Your data is stored only in local browser storage, and is not shared. We do not collect any personal data, no numbers, nothing.

This tool helps you plan for Financial Independence by modeling your investment growth and providing insights into how your financial decisions impact your future. Small changes to contributions and rate of return can significantly affect the time it takes to reach FI. Take control of your financial future with this tool! Create your personalized FI Projection now! 🚀