What’s your Financial Independence number?
Find out how much you may need invested to create the retirement income you want — and how much you may need to save each month to get there.
Inflation is the tax nobody sends you a bill for. At about 2.5% a year, the lifestyle you want today quietly costs more every year you wait — so the real number you’re saving for is bigger than it looks.
| If you retire in… | Inflation multiplier | Your income goal becomes |
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Your Starting Action Plan
Most people want to retire someday. Very few know their number.
Know Your Number
Your Financial Independence Number is the amount you may need invested to help create your retirement income.
Retire With Clarity
Instead of guessing, your number gives you a clear retirement target to work toward.
Simple Formula
Desired annual retirement income × 25 = your estimated Financial Independence Number.
The 4% Strategy
A common rule of thumb is withdrawing about 4% of your invested balance each year in retirement.
Estimate Your Gap
See the difference between what you have saved now and what you may need by retirement.
Monthly Savings Target
Once you know your number, you can estimate how much to save each month to stay on track.
Timeline to Retirement
Your age, target retirement age, savings, and returns help estimate how many years you may need.
Adjust the Plan
Your number helps show what changes may close the gap — saving more, retiring later, or adjusting income goals.
Wealth Strategist
Sierra Richey is a Wealth Strategist and financial educator, a mother of three, and an advocate for families building generational wealth. Drawing on a background in property management and community development — including service as Vice Chairwoman of her tribe’s housing board — she helps individuals, families, and business owners understand how money works and build wealth that lasts for generations.
She leads with one principle: education first — because empowered clients make better decisions. She turns the number above into a plan you can actually live by. No jargon, no pressure — just clarity.