Estimated time to independence
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The table that changes everything
Years required starting from zero, using your real return and withdrawal rate. Your row is highlighted.
| Savings rate | Years to independence | Share of a working life* |
|---|
*Against a reference working life of 40 years. Financial independence is not a question of how much you earn but of the gap between what comes in and what goes out: every extra point of savings brings the goal forward twice over, because you accumulate more and need less. Figures are real (inflation already discounted) and indicative; markets do not deliver constant returns — see the portfolio simulator and sequence-of-returns risk.