When do you reach freedom?
Calculate in how many years your investments can cover your expenses — the moment working becomes optional. Move the values and the date updates instantly.
Uses the 4% rule: you need 25× your yearly expenses. Values in your currency — what matters is the ratio.
You reach independence in
23years
Target number
$17 M
Savings rate
31%
Your net-worth projection
Illustrative estimate · Not financial advice
How FIRE works
What separates the dream from the exact date
What is financial independence?
It is the point where your investments cover your expenses and working becomes optional. You stop depending on the end-of-month paycheck.
The 4% rule
You need to accumulate about 25 times your annual expenses. With that, you can withdraw 4% per year without running out of capital.
Your savings rate rules
It is not how much you earn, it is how much you save. Raising your savings rate brings your independence forward more than anything else.
Compound interest works for you
Every dollar invested generates returns that in turn generate more. The sooner you start, the more time does for your money.
With Daiku
From estimate to your real plan
Record income and expenses
Add your transactions (or log them over WhatsApp). Daiku calculates your real savings rate automatically, month by month.
Add up your net worth
Connect your investments and accounts. Daiku builds your net worth and keeps it updated with current prices.
See your freedom date
Daiku projects when you reach independence and shows you how the date shifts with every decision you make.
FAQ
Frequently asked questions
What is FIRE or financial independence?
FIRE (Financial Independence, Retire Early) is reaching the point where your investments generate enough to cover your expenses. From there, working is a choice, not a necessity.
How much money do I need to be independent?
A practical rule is to accumulate 25 times your annual expenses (the 4% rule). If you spend $1,000,000 per year, your target number is around $25,000,000. The calculator above estimates it from your numbers.
What is the 4% rule?
It is the safe withdrawal rate: if once retired you take 4% of your capital per year (adjusted for inflation), your investments should last decades. That is why the goal is to gather 25× your annual expenses.
How does Daiku calculate my financial independence?
Daiku uses your real income, expenses, and net worth to calculate your savings rate and project how your net worth grows with compound interest, until it reaches your target number. Every change you make moves the date.
Are the calculator and Daiku free?
The calculator on this page is free and requires no sign-up. The financial independence projections inside Daiku, with your real data and scenarios, are included in Daiku Pro, with a 14-day trial and no card.
Put a date on your freedom
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