Savings rate timeline calculator

Years to independence from your savings rate.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18

Savings rate

35%

Return

Yearly expenses

Current pot

Years to independence

Target pot

$1,050,000

With these inputs, years to independence comes to 20. Target pot works out to $1,050,000. The result assumes savings rate stays at 35%.

What moves the number · Years to independence

Input	−10%	Now	+10%
Savings rate	21	20	18
Return	21	20	19
Yearly expenses	19	20	20
Current pot	20	20	19

Whatmakesequal

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Years to independence from your savings rate.

With the defaults above, years to independence works out at 20.