Days of financial freedom.

Financial independence days counts how many days your net worth could cover your expenses if you stopped earning today. Net worth ÷ daily expenses. Under 365 days = not yet financially independent. 365+ = at least 1 year covered. The FIRE community targets 9,125 days (25 years at 4% withdrawal rate) for full independence.

200,000 net worth ÷ (30,000 annual expenses ÷ 365) = 2,433 days = 6.7 years of independence. Meaningful progress but not full FIRE. Full independence at 30k expenses requires ~750k (25× expenses). This metric makes progress tangible - each month of saving adds visible days.

FI Days works as a motivational metric because it's concrete: 'I can survive 6.7 years without working' is more visceral than 'I've saved 200k'. Tracking monthly shows progress: saving 2,000/month at 82/day expenses adds 24 days of financial independence every month. Compound interest from invested savings adds more days automatically.

Run it with sensible defaults

Using net worth of 200,000, annual expenses of 30,000, the calculation works out to 2433 days. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.

The levers in this calculation

The inputs — Net Worth and Annual Expenses — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

How the math works

Daily expenses = annual ÷ 365. FI days = net worth ÷ daily expenses. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".

What the score tells you

Headline financial numbers — income, savings, debt — each tell part of the story. This calculation stitches several together into a single read you can track over time. The value is in the direction, not the absolute number.

What this doesn't capture

The score is a composite of the inputs you provide. Life context — job security, family obligations, health, housing — doesn't appear in the math but shapes the real picture. Use the number as a prompt, not a verdict.