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FI Ladder

Set the inputs and compare how far you are from financial freedom

Basic uses a 4% withdrawal rate and a simplified real-return assumption based on the selected portfolio. Amounts are in today's money. This is not a forecast.

Current ladder inputs: $150,000 saved, $2,500 monthly contributions, $2,400 monthly spending.

Selected portfolio lens: 60/40 Portfolio · 4.9% real return - 55y history

Open in Advanced Simulator
01

Coast FI

36

1y from now

Target 187k$
02

Flamingo FI

41

6y from now

Target 360k$
03

Pension-Bridge FI

42

7y from now

Target 431k$
04

Lean FI

43

8y from now

Target 504k$
05

Full FI

47

12y from now

Target 720k$
ACCUMULATION PHASEFINANCIAL INDEPENDENCEBEYOND FI$0$1M$2M$3M$5MToday35 yearsCoast FI36 yearsFlamingo FI41 yearsPension-Bridge FI42 yearsLean FI43 yearsFull FI47 years★Pension age67 yearsAge 35Age 67

Coast FI is projected around age 36.

At your current savings rate, Full FI is projected around age 47.

That is approximately 20 years before the U.S. public pension age.

Your portfolio could continue compounding for years after reaching financial independence.

Coast FI

The portfolio may already be large enough to grow into Full FI by pension age without further retirement contributions.

Flamingo FI

Roughly half of the Full FI target. It may support lower saving pressure or a gentler work pace, not full retirement.

Pension-Bridge FI

Enough capital to bridge current spending until public pension age under Basic assumptions.

Lean FI

Covers about 70% of current spending using the 4% rule, a lighter version of independence.

Full FI

Enough capital to cover current spending indefinitely using the 4% withdrawal rule in today's money.