Start freeFinancial independence

Financial independence calculator

How much money do you need to live off your net worth? Work out your number with the 4% rule, see what share you've already reached and how many years are left at your current saving pace. Free and no sign-up.

Long term

Work out your financial independence number

We apply the 4% rule: build up 25 times your annual spending. The projection uses monthly compound interest with your contribution and estimated return — it's an orientation, not a promise.

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Your number doesn't move; your net worth does

The financial independence figure is stable, what changes each month is how close you are to it. mPF adds up your accounts, investments and debts and shows you that progress without you having to redo the sum.

Track my net worth in the appRead the net worth guide

Gratis y sin tarjeta. Se abre en el navegador — también está en iPhone y Android.

01

What 'your number' is and where the 4% comes from

Financial independence has a concrete definition: your net worth can cover your spending without depending on your salary. The classic benchmark is the 4% rule (the Trinity study): if you withdraw 4% of a diversified portfolio each year, historically it has lasted decades. That's where the magic number comes from: you need about 25 times your annual spending. You spend €1,800 a month → your number is around €540,000.

  • Your number = annual spending × 25
  • Based on withdrawing ~4% a year from a diversified portfolio
  • It's a historical benchmark for orientation, not a guarantee about the future
02

The two levers (and which one weighs more)

You can bring the date closer by earning more or spending less — and spending less counts twice: it lowers what you need to save each month AND shrinks your target number. Cutting €200 of monthly spending drops your number by €60,000 in one go. That's why the path always starts with knowing and organising your spending, not with chasing heroic returns.

  • Spending less lowers the target AND speeds up the saving: double effect
  • −€200/month of spending = −€60,000 off your target number
  • Returns matter, but the saving habit matters first
03

From the number to a plan that doesn't rely on motivation

The number is impressive (and sometimes frightening), but it's only the direction. The plan is what happens each month: knowing your real savings rate, automating the contribution and seeing the progress. mPF connects your accounts and shows you your full net worth, your real savings capacity and the month-by-month trend — the part of the path you actually control.

  • Your real net worth, updated and on one screen
  • Your monthly savings rate, worked out on its own
  • Visible progress: the kind of motivation that doesn't run out

Frequently asked questions

Does the 4% rule work in Spain?

The original study uses historical US market data, so take it as a benchmark, not a law. Tax, inflation and the make-up of your portfolio change the real outcome. Many people prefer to use 3.5% (28-29× spending) as a safety margin. Deciding your specific withdrawal strategy is already the territory of personalised planning.

Do I count my home in the invested net worth?

Not for this calculation: your house doesn't generate the income you'd live on (unless you plan to sell it or rent it out). Use the net worth that works: funds, shares, interest-bearing accounts, rented property. Your total net worth is a different metric — also useful, and we explain it in its own guide.

What if my result says '100+ years'?

It means that at your current contribution the target is out of horizon — that's information, not a sentence. Play with the two levers: raise the contribution (start with your real savings capacity) or cut spending (remember the double effect). And consider intermediate goals: 'partial independence' (covering half your spending) already changes a life.

Does financial independence mean stopping work?

It means being able to choose. Some use it to retire early, some to work at what they want without watching the salary, and some simply to sleep at night. The number is the same; what you do when you get there — or along the way — is up to you.

Would you rather start gently?

We'll send you the Financial Order Kit as a PDF: the templates and the checklist to get your accounts in order at your own pace. Free, and without signing up for anything.

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