This New Zealand calculator works out your financial independence number, the amount you need invested to live off your portfolio. You enter your annual spending and a safe withdrawal rate, and it shows your target and how far off you are, giving a clear goalpost for anyone pursuing financial independence.
A 4% withdrawal rate means a portfolio 25 times your spending. It is a starting point, not a guarantee, and depends on your timeframe and risk. This ignores NZ Super, which would reduce the savings you need. Estimate only, not financial advice.
Your FIRE number is your annual spending divided by your safe withdrawal rate. At a 4% rate that is 25 times your spending, which is the portfolio that, drawn at that rate, is intended to fund your spending indefinitely. The calculator shows the target, how much you still need to invest, and your progress so far. Lower spending or a higher withdrawal rate reduces the number, which is why controlling spending is so powerful.
Spending $55,000 a year at a 4% withdrawal rate gives a FIRE number of $1,375,000. With $250,000 invested, you are about 18% of the way there, with $1,125,000 still to invest. Trimming spending to $50,000 would cut the target to $1,250,000.
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