Financial independence calculator: Find out how much time and money you need

Living without relying on a monthly salary, managing your time as you wish, and dedicating yourself to what really matters to you may sound like a dream, but it’s what is known as financial independence. And no, it’s not a utopia reserved only for millionaires — it's an achievable goal, though only if pursued with a clear strategy and, most importantly, if you know what your target is. To help you understand this better, we’ve created our financial independence calculator.

Remember: this is not an exact science, but it is an excellent compass for making more informed decisions.

Financial Independence Calculator

Year of birth:


Net annual income (€):


Annual expenses (€):


Invested capital (€):


Annual salary increase (%):


Annual return on long-term investments (%):


Average annual inflation (%):


Taxes on capital withdrawals (%):


Calculate

How the financial independence calculator works

Our calculator helps you estimate your target capital to stop relying on a salary, aiming directly at financial independence. To do so, you’ll need to enter some key information, as shown below:

Personal data

• Year of birth
• Net annual income
• Annual expenses
• Invested capital

Estimates

• Annual salary increase (%)
• Annual return on long-term investments (%)
• Average annual inflation (%)
• Taxes on capital withdrawals (%)

With this information, the tool will apply financial formulas based on the 4% rule and show adjusted return projections, so you can see how much you need and when you might achieve it.

Why is it important to calculate your financial independence?

Going through this process allows you to:

• Set realistic goals
• Identify how much capital you need
• Evaluate whether your current investments are on track
• Make better decisions about saving and risk

This is not just about knowing if you could stop working today, but about creating a plan with clear and measurable steps to reach that point. It’s crucial not to make decisions lightly or without strategy — you need to know the reason behind every move you make.

Factors that accelerate (or delay) your financial independence

When it comes to achieving financial freedom, several elements can either help or hinder your progress. Here are some of the most influential factors:

• Personal spending level — The less you need, the sooner you reach your goal
• Inflation — Erodes your money’s purchasing power
• Real returns — What your investments earn after inflation and taxes
• Taxation — Choosing tax-efficient investment products is key to success

How to use alternative financing to accelerate the process

Beyond consistent saving, it’s vital to invest wisely. On alternative financing platforms like Inversa, you’ll find products with attractive net returns, controlled risk, and short-term horizons.

Example: By investing in short-term promissory notes or invoices, you can make your capital work efficiently without the long-term commitments of traditional products. To learn more, we recommend reading our article on what a promissory note discount is.

Another example is crowdlending. If you’re wondering what crowdlending is, you’ll be glad to know it offers many benefits, especially since it’s a form of collective financing where several individuals contribute money to fund a project.

Take the first step toward your financial freedom

Calculating your financial independence is not just a dream that can come true — it’s also a way to take control of your financial life. At Inversa, we offer real investment alternatives so your capital can start working today.

Join our community of investors and discover how to move toward freedom with solid, profitable, and transparent products. Are you ready to start? Your future can begin to change with a simple decision like calculating your goal and taking the first step.