See how your savings rate sets your timeline to financial independence — then grow it with Hunch.
Your savings rate — the share of your take-home pay you keep — is the single biggest driver of when you can stop working. This calculator turns your rate into an estimated number of years to financial independence using the 25× (4%) rule.
Savings divided by take-home pay. Every dollar saved does double duty: it grows your investments and lowers the spending you need to cover, so the timeline shortens fast as the rate climbs.
A common financial-independence benchmark: once your invested assets reach about 25 times your annual expenses, a ~4% withdrawal could cover your spending indefinitely.
Many planners use 4–5% after inflation for a diversified portfolio. A lower assumption is safer and pushes the timeline out.
Hunch shows exactly where your money goes and forecasts cash flow, making it easy to find room to save more each month.