Financial Independence Roadmap

Most people have no idea when they could stop working. This tells you.

Financial independence isn't about being rich. It's about having enough invested that your money covers your expenses without you having to work. The number is specific and calculable. Most people just haven't calculated it. This spreadsheet does it for you — and shows you exactly how your timeline changes based on how much you save.

What's Included

• FIRE number calculator: enter your monthly expenses, the sheet calculates your target portfolio size using the 4% safe withdrawal rule (expenses × 25 × 12)
• FI date projector: at your current savings rate and portfolio value, when do you hit your FIRE number? Shows the month and year.
• Savings rate scenario comparison: shows your FI date at 10%, 20%, 30%, 40%, and 50% savings rates side by side — makes the impact of saving more visceral
• 10-year wealth projection chart: line chart showing portfolio growth over the next decade at your current rate
• Milestone tracker: shows how far you are from 25%, 50%, 75%, and 100% of your FIRE number — with a progress bar for each
• Safe withdrawal rate simulator: shows annual and monthly income your portfolio would generate at 3.5%, 4%, and 4.5% withdrawal rates

Who This Is For

• Anyone who has heard of FIRE and wants to see what it would actually take for them specifically
• Young professionals in their late 20s or 30s who are starting to save seriously and want a long-term target
• People who already have some investments and want to know how far away financial independence actually is

How It Works

1. Enter your monthly expenses — be honest, include everything
2. Enter your current portfolio value (investments, not savings account)
3. Enter your monthly savings amount going toward investments
4. The sheet calculates your FIRE number and your current projected FI date
5. Adjust the savings rate scenario table to see how saving more changes your timeline