Lift Off / 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.