Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Years to financial independence
21
Your savings rate
37.0%
Portfolio target
$1,450,000
Saved per year
$34,000
Saved per month
$2,833.33
Gap to target
$1,330,000
Psst — share this and help Rex grow
One click, a permanent link with your numbers baked in.
How to use this
- 1Enter annual take-home income ($).
- 2Enter annual spending ($).
- 3Enter current portfolio ($).
- 4Enter real return after inflation (%).
- 5Enter safe withdrawal rate (%).
- 6Read your years to financial independence on the right — it updates as you type.
- 7Hit Share to keep the scenario or send it to someone.
About this calculator
Years to financial independence depends almost entirely on savings rate, not income. Going from a 15% to a 40% savings rate cuts decades off the timeline at any salary.
Worked example
Using the values the calculator loads with:
Inputs
- Annual take-home income: 92000 $
- Annual spending: 58000 $
- Current portfolio: 120000 $
- Real return after inflation: 5 %
- Safe withdrawal rate: 4 %
Results
- Years to financial independence: 21
- Your savings rate: 37.0%
- Portfolio target: $1,450,000.00
- Saved per year: $34,000.00
- Saved per month: $2,833.33
- Gap to target: $1,330,000.00
What each field means
Inputs
- Annual take-home income ($)
- The annual take-home income used in the calculation, measured in $. Starts at 92000 $ so you have a working example on load.
- Annual spending ($)
- The annual spending used in the calculation, measured in $. Starts at 58000 $ so you have a working example on load.
- Current portfolio ($)
- The current portfolio used in the calculation, measured in $. Starts at 120000 $ so you have a working example on load.
- Real return after inflation (%)
- The real return after inflation used in the calculation, measured in %. Starts at 5 % so you have a working example on load. Accepted range: 0–12 %.
- Safe withdrawal rate (%)
- The safe withdrawal rate used in the calculation, measured in %. Starts at 4 % so you have a working example on load. Accepted range: 2–8 %.
Results
- Years to financial independence
- Returned as a decimal number and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Your savings rate
- Returned as a percentage. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Portfolio target
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Saved per year
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Saved per month
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Gap to target
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How does the savings rate & financial independence calculator work?
Years to financial independence depends almost entirely on savings rate, not income. Going from a 15% to a 40% savings rate cuts decades off the timeline at any salary. The underlying maths is: Years = time for portfolio to reach annual expenses ÷ safe withdrawal rate.
What do I need to enter?
5 values: annual take-home income, annual spending, current portfolio, real return after inflation, and safe withdrawal rate. Each field starts with a sensible default, so you can change one number at a time and watch the result move.
What does the years to financial independence result mean?
It is returned as a decimal number and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds.
Is this calculator free, and do I need an account?
Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser.
How accurate is the result?
It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
Who is this tool for?
It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Savings Rate to Retirement Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/savings-rate-fi
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/savings-rate-fi" target="_blank" rel="noopener">Savings Rate to Retirement Calculator — RevenueLab</a> (2026).</p>
Source: [Savings Rate to Retirement Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/savings-rate-fi) (2026).