Financial independence
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Method and sources
Expenses are inflated to the target age and scaled by the lifestyle tier; the independence number divides them by the editable withdrawal-rate assumption. The projected corpus grows existing investments at the effective annual return and adds a step-up monthly investment. The earliest age is the first at which the projected corpus meets that age's number. Coast shows the amount needed today so that growth alone reaches the standard number at 60, without new contributions. The default 3% is illustrative, not a verified safe withdrawal rate; no probability of success is claimed.
Illustrative estimate only. Returns, inflation and the withdrawal rate are assumptions, not guarantees or a probability of success. Tax, fees and market variation are excluded. Not financial advice.