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Your savings rate
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📈 Years to FI at different savings rates
| Savings rate |
Monthly saved |
Monthly expenses |
Years to FI |
FI year |
Methodology
Based on the work of Mr. Money Mustache and the Trinity Study. FI target = annual expenses / 4% (25× rule). Years to FI assumes current net worth as starting capital, monthly savings invested at the given return rate. The higher your savings rate, the lower your expenses — compressing time to FI from both ends. Results are estimates for educational purposes only.