Savings Rate: The Number That Decides When You Can Retire
Your savings rate drives your retirement date more than your income does. How to calculate it consistently and what different rates mean under stated assumptions.
FI maths
Savings rate, your financial-independence number and safe withdrawal rates.
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The 4% Rule in Plain English
Where the 4% rule comes from, what the original research actually tested, and why early retirees often plan for a lower withdrawal rate or a flexible one.
Your FI Number: From Annual Spending to a Target
Turn your annual spending into a financial-independence target, adjust it for other income and big future costs, and stress-test it as a range.