FI Ratio Calculator
Track your progress toward financial independence with FI ratio
FI Ratio Calculator
Track your progress toward financial independence. Calculate your FI ratio and see exactly how close you are to FIRE.
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Total value of all retirement accounts and investments
$
How much you spend (or plan to spend) per year
%
4% is standard, 3-3.5% is conservative
Understanding Your FI Ratio
Your FI Ratio is a simple but powerful metric: (Current Savings ÷ FIRE Number) × 100. It tells you exactly what percentage of financial independence you have achieved.
Unlike tracking net worth alone, FI ratio accounts for your lifestyle cost. This makes it a more meaningful measure of progress toward financial independence.
FI Ratio Stages:
- •0-10%: Early journey - building foundation
- •10-25%: Getting started - seeing real progress
- •25-50%: Building momentum - compound interest accelerating
- •50-75%: Halfway there - can consider Coast FIRE
- •75-100%: Nearly independent - finish line in sight
- •100%+: Financially independent - can retire!
Frequently Asked Questions
Everything you need to know about this tool