Your savings rate against expected retirement spending, with a 25× target balance.
How to read the results
Annual savings are compounded at a real return until they reach 25× expected annual spending.
Savings rate and independence
Your savings rate against expected retirement spending, with a 25× target balance.
Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
$
$
5.0%
Savings rate
29.0%
Years to independence
29 yr
- Saved per month
- $1,800
- Saved per year
- $21,600
- Target balance
- $1,320,000
- Every 1% more saved
- $744 a year
Financial independence here means 25× annual spending, the usual shorthand for a 4% withdrawal rate.
Methodology
Annual savings are compounded at a real return until they reach 25× expected annual spending.
- · 25× spending is shorthand for a 4% withdrawal rate.
- · Returns are real, after inflation.
Estimates only. Nothing here is financial advice. Spotted something wrong? Tell us and it gets fixed.