Financial Independence Age Calculator

This calculator estimates the age you could reach financial independence in New Zealand, the point where your investments generate enough safe income to cover your living costs and paid work becomes optional rather than necessary. You enter your current age, the value of your existing investments, how much you invest each month, your expected annual return, your annual spending once independent, and the safe withdrawal rate you want to apply, typically 4%. From your annual spending and withdrawal rate, the calculator works out your FI number, the size of portfolio needed to sustainably fund that spending. It then projects your current investments plus your monthly contributions forward at your chosen return, month by month, until the balance reaches your FI number. The results show your FI number in dollars, your estimated financial independence age, and how many years away that milestone is. Use it to see how boosting your monthly contributions, earning a higher return, or trimming your planned spending changes the age you could reach independence, and to compare saving harder now against retiring on a leaner budget. The 4% rule is a widely used guide based on historical returns, not a guarantee, and NZ Super may also supplement your income from 65. Treat the result as an indicative planning estimate to guide your saving strategy, not financial advice or a promise of a specific outcome.

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FI number is your annual spending divided by the safe withdrawal rate (25x spending at 4%). Projects current investments plus monthly contributions at your return until they reach the FI number. A guide using assumptions, not a guarantee; NZ Super may also help from 65. Estimate only, not financial advice.