Calcufast

Years to FI: 50% savings rate from $80k income

Estimate years to financial independence from income, expenses or savings rate, current portfolio, and a real return. Default lock: $80k / $40k → 50% savings rate.

Inputs
Enter values to calculate
Currency label
Results

Years to FI

15.38 years

Savings rate

50.0%

FIRE number

$1,000,000.00

Annual savings

$40,000.00

Annual expenses

$40,000.00

Educational estimate, not advice. Assumes a constant real return and a constant savings amount. It does not model job loss, sequence-of-returns risk, taxes, fees, Social Security, or Monte Carlo. 4% / Trinity / Bengen cites are educational; PDFs are not on this site (NEED-SOURCE).

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Years to financial independence

This tool answers: if I keep saving at this rate, how many years until my portfolio hits my FIRE number?

Years to a goal with constant real return

(1 + r)^n = (FIRE + PMT ÷ r) ÷ (portfolio + PMT ÷ r)

n = ln(that ratio) ÷ ln(1 + r)

PMT is annual savings (income − expenses). FIRE is expenses ÷ SWR.

Default lock

Income $80,000, expenses $40,000 → 50% savings rate. Portfolio $50,000, real return 5%, SWR 4% (FIRE number $1,000,000). The engine reports the computed years from that formula.

Inputs

  • Income and either expenses or a savings rate.
  • Current portfolio and an assumed real return (after inflation).
  • SWR used only to set the FIRE target.

What the model does not cover

Job changes, raises, sequence-of-returns risk, taxes, fees, Social Security, or Monte Carlo. A 5% real return is an assumption you type — not a forecast.

Not financial advice

Educational math only. Bengen / Trinity / 4% cites are teaching references; those PDFs are not on this site (NEED-SOURCE).

Same series

Because $80,000 − $40,000 = $40,000 saved, and $40,000 ÷ $80,000 = 50%.

If the portfolio is already at or above the FIRE number, years to FI is 0.

If savings are not positive and you are not already at FI, the target is not reachable in this model.