LiftOff / Calculators
Independence Number
Find out exactly how much you need invested to be financially independent, and how long it will take to get there at your current savings rate.
You are 6% of the way to Financial Independence
Your Independence Number
$778,300
Based on 4% withdrawal rate, offset by NZ Super
NZ Super (single): $28,868/yr offset
Portfolio Growth to Independence
$778,300
Independence Number
21 years
Years to Independence
$113/mo
Monthly Savings Needed
1 yr sooner
+$200/mo Impact
Saving an extra $200/mo
Ready to build a plan toward your Independence Number?
We map the gap between where you are and where you want to be.
FI Number uses the 4% safe withdrawal rate. NZ Super figures are 2025–26 rates (from 1 April 2026, M tax code, single living alone: $28,868/yr, couple: $44,412/yr). This is for illustrative purposes only and is not financial advice.