Free Tool from GlideFi

Your Financial Independence
Number

Enter your numbers. Get your FI target, your timeline, your Coast FI number, and a clear picture of where you stand today.

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Your Numbers

Tell us about your financial picture

Monthly Finances
$
$
$
$
Personal Details
%
%
Expected yearly raise / income increase. Used to grow your monthly savings over time.
Assumed Investment Return
7.0%
3% (conservative) 7% (historical avg) 12% (optimistic)

Your FI Picture

Based on your inputs — updated instantly as your numbers change

Your FI Number (25× Annual Expenses)
—
The portfolio value at which work becomes optional
Years to FI
—
at your current savings pace
Projected FI Age
—
if you maintain your current pace
Progress Toward FI
0%
$0 You are here FI Target
Lean FI
Bare Minimum
—
20× expenses · 5% SWR
Tight budget, no cushion
Standard FI
The Classic Target
—
25× expenses · 4% SWR
The widely used benchmark
Fat FI
Full Cushion
—
33× expenses · 3% SWR
Generous buffer, high confidence
Annual Expenses (today)
—
Your current spending baseline
Annual Expenses at FI
—
Adjusted for expense growth
Monthly Passive Income at FI
—
4% SWR ÷ 12 months
Current Savings Rate
—
—
Coast FI
The "Stop Saving" Number
Coast FI Number
—
Coast FI Progress
—
If you have this amount invested today and never save another dollar, your portfolio will grow to your FI number by your target retirement age — at your assumed return rate.
Leverage Points
What if you got there faster?

How much more you'd need to save monthly to hit FI sooner.

Safe Withdrawal Rate Reference
How much could you withdraw each year?

Based on your FI number at different withdrawal rates.

Withdrawal Rate Annual Income Monthly Income Risk Profile
GlideFi Tool
Your FI number is the destination.
Are you actually moving toward it?
Knowing your FI number is step one. Step two is tracking whether your liquid position is growing month over month — and whether you're on pace to get there. That's exactly what the GlideFi Liquidity Health Log is built to do.
Get the Liquidity Health Log — $24.99
GlideFi Tool
Want to manage everything in one place?
The GlideFi Financial Command Center brings your budget, debt, savings, and financial goals together in a single Excel dashboard — so you always know exactly where you stand.
Get the Financial Command Center — $64.99
This tool is for educational and informational purposes only. GlideFi does not provide financial advice. All projections are estimates based on your inputs and assumed rates of return. Actual investment returns vary and are not guaranteed. Past performance does not predict future results. Always consult a licensed financial professional for advice specific to your situation.
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