The year work becomes optional.

Four questions. Your FI number, your date, and the one change that moves it most.
SAVES IN YOUR BROWSER · NOTHING LEAVES THIS DEVICE
1About you
Investments and pensions — not your emergency cash. Rough numbers are fine.
2Money in, money out
After tax — what actually lands in your account.
This one number does double duty: it sets how fast you save and how big your FI number needs to be. Find it in the Budget optimizer.
Saving each year
3Life after work
Most people spend less: no commute, no mortgage, no saving for retirement. Starts matched to today’s spending.
Advanced —
Sensible defaults are set. Open only if you want to argue with them. Open ▾
“Real” return — growth after inflation. 5% is sober for a stock-heavy mix.
How much of the pot you take each year. 4% is the classic rule; 3.5% is the cautious European version.
Real raises speed everything up. Keep it modest.
Reduces the pot you need to cover the years after 67. Leave 0 to ignore it.
FI NUMBER SAVING SAVINGS RATE
Your money over timeREAL TERMS · BLUE LINE = FI NUMBER
Savings rate is the whole gameYEARS TO FI AT EACH RATE
Not your salary, not picking stocks — the share of your pay you don’t spend. Your rate is highlighted.
The milestones on the wayEACH ONE CHANGES YOUR OPTIONS
What would actually move the date
Each lever tested on your numbers, ranked by months saved.
Year by year ▾EVERY FIGURE ABOVE TIES TO THIS
YRAGESTARTSAVEDGROWTHEND
WHAT THIS MEANS