Calculator

What year can work become optional?

Adjust the assumptions, read the year, and understand what moves it.

Live answerBase—Financial Independence Year— fundedView answer
Live answerBase—Financial Independence Year16% fundedView answerLive—16%Answer
AssumptionsEvery slider updates the same calculation estimate. It is not a probability forecast or financial advice.

Adjust the inputs behind the answer.

Change an assumption and the projection above updates without implying certainty or advice.

Annual spending£36,000
Required capital£900,000
Projection window60 years

Spending

The lifestyle the portfolio needs to cover.

£3,000The spending level the portfolio needs to cover.MethodMoves in £100 increments.

Portfolio

Capital already working and new monthly additions.

£142,000Investable money already working toward the target.MethodMoves in £5,000 increments.
£2,000New money added while work income is still required.MethodMoves in £100 increments.

Growth

Return after inflation before scenario shifts.

4.5%Return after inflation, before scenario shifts.MethodMoves in 0.5% increments.

Risk

Withdrawal and safety assumptions around the result.

4.0%Annual spending divided by required capital.MethodMoves in 0.25% increments.
1.00×Adds headroom to the required portfolio.MethodMoves in 0.05x increments.

Spending overview

The gauge compares invested assets with the portfolio target implied by your spending, withdrawal rate, and safety buffer.
Base

16% funded£142,000 invested today

Monthly
£3,000
Annual
£36,000
Target
£900,000

What changed?

Base uses your expected real return. Conservative subtracts 1.5 percentage points. Optimistic adds 1.5 percentage points.
SpendingContributionsReturn
  1. InputsShown above
  2. ScenarioBase
  3. Answer—
Financial Independence YearLive estimate
—

Range unavailable with the current assumptions.

Expected real return: 4.5%
  • Base scenario — using your current expected real return.
  • Lower spending can pull the year earlier.
  • Higher contributions can move the estimate.
  • Return assumptions change the range.

A Financial Independence Year is needed before Ambit can explain the result.

Saved versions

Compare saved versions.

Save versions in this browser, compare their Financial Independence Year, and keep one previous saved result for context.

Saved versions

Saved on this device only.

Compare versions

Against active version

Save another version to compare it with the active one.

Previous saved result

This browser only
Unavailable

Save this result to compare future changes on this device.

Market context

Market figures are contextual only. They do not change the Financial Independence Year calculation.

Delayed market context. These figures do not change the calculation.

Loading
S&P 500FT fallback7,483.23-16.13 · -0.22%INX
DowFT fallback52,305.24-13.96 · -0.03%DJI
FTSE 100FT fallback10,478.34-18.78 · -0.18%UKX
FTSE 250FT fallback23,330.07+316.62 · +1.38%FTSM