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Your FI (financial independence) number is the amount of invested assets that could cover your spending indefinitely. Using the 4% rule, it is about 25 times your annual expenses — the point at which work becomes optional because your portfolio can sustainably fund your life.
If you spend $60,000 a year, your FI number is about $1.5 million (60,000 × 25).
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →