Wealth Ratio Calculator

Your financial independence score — how rich are you relative to your age?

What is this? Calculate your financial independence score. See your wealth ratio and how long until financial freedom.

Who it's for: Business professionals, investors, and entrepreneurs.
Your Numbers
Wealth Ratios
Wealth-to-Income Ratio
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Age-Adjusted Score
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FI Progress
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Annual Spending Estimate
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FI Number
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Years to FI
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For educational purposes. Not financial advice.

Personal Finance & Wealth Tools

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Frequently Asked Questions

What is a good wealth-to-income ratio by age?

Wealth-to-income ratio: Age 30 = 0.5x annual income, Age 40 = 2x, Age 50 = 4x, Age 60 = 7x, Age 67 = 10x. These are median benchmarks — top 10% have 2-3x these amounts.

What is the FIRE savings rate?

FIRE (Financial Independence, Retire Early) typically requires saving 50-70% of income. At a 50% savings rate, you reach FIRE in about 17 years. At 70%, it drops to 7 years. Most people aim for 50% to balance lifestyle.

What is the 4% safe withdrawal rate?

The 4% rule: you can withdraw 4% of your portfolio in year one of retirement, adjusting for inflation each year, with a high probability of not running out over 30 years. Based on the Trinity Study.