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Financial Independence

Calculate the portfolio for the 4% withdrawal rule.

Informational content. This tool does not replace advice from a qualified professional. Use the results as a reference only.

How to use

  1. Enter your annual living expenses — the amount you need to cover one year without working.
  2. Set the safe withdrawal rate (the classic 4% rule is the default).
  3. See the total portfolio you need to sustain those expenses indefinitely.

About this tool

Financial independence means your investment portfolio generates enough passive income to cover your expenses. The FIRE (Financial Independence, Retire Early) community uses the 4% rule as a benchmark: if you withdraw 4% of your portfolio per year, it historically lasts at least 30 years.

The tool divides your annual expenses by the withdrawal rate to find the target portfolio. At 4%, you need 25× your annual expenses; at 3%, you need about 33×.

The 4% rule comes from the Trinity Study based on US market data. Brazilian investors face different inflation, interest rates and currency risks — a financial planner can help you adjust the withdrawal rate for local conditions.

The formula

FV = PMT × ((1 + i)^n − 1) / i, where PMT is the monthly contribution, i is the monthly rate and n is the number of months. The independence number is the accumulated amount whose yield covers monthly expenses.

Frequently asked questions

Does my data leave my browser?

No. Everything runs locally in JavaScript on your device — nothing is transmitted or stored.

Is this financial advice?

No. This is an educational tool for estimates only. Real financial decisions depend on fees, taxes and personal circumstances — consult a qualified professional.

Which official tables does the tool use?

The tool uses the latest publicly available rates and tables. You can verify the values against the official sources linked on the page.

independencia financeira calculadora finanças online grátis brasil

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