Know Exactly How Many Years Until Financial Independence
Perfient analyzes your income, savings, and investments to calculate your Financial Independence timeline and show how to reach it faster.
Takes 3 minutes • No bank connection required
How to Create Feeds in 3 Steps
Bring long-form newsletters from multiple sources into one stream of concise, actionable insights tailored to your goals.
Do You Know When You Can Stop Working?
Most people have never calculated their Financial Independence number. Perfient does it for you.
- → Are you on track for Financial Independence?
- → How much wealth do you actually need?
- → What is delaying your FI timeline?
- → What changes would accelerate it?
How Many Years Until Your Financial Independence?
Enter three numbers and get your FI timeline in seconds. No sign-up required.
- Based on the 4% safe withdrawal rule
- Assumes 7% average annual portfolio growth
- Your full Wealth Plan goes much deeper
See How Others Are Planning Financial Independence
Financial diagnostics — real numbers, real outcomes. See what your picture might look like.
How It Works
Three steps to your Financial Independence timeline
Enter Your Financial Snapshot
Income, savings, investments, and expenses. Takes about 3 minutes. No bank connection required.
Perfient Calculates Your FI Timeline
Using portfolio growth models, savings rate analysis, and withdrawal projections to find your exact FI date.
Get Your Personalized Wealth Plan
A clear, actionable roadmap that shows exactly how to accelerate your Financial Independence.
Optional: Review with a Certified Financial Planner
Request async review with a CFP to validate your plan, ask questions, and refine your strategy — at a special rate for Perfient users.
Your Personalized Wealth Plan Includes
Everything you need to understand and accelerate your path to Financial Independence
Takes 3 minutes • No bank connection required
Sample Wealth Plan Preview
See exactly what you receive — a 15–20 page personalized plan covering your FI timeline, scenarios, portfolio analysis, and top actions.
- FI timeline with year-by-year projections
- Net worth and savings rate analysis
- Scenario comparisons (conservative, base, optimistic)
- Portfolio allocation review and recommendations
- Top 3 prioritized actions to reach FI faster
- Increase monthly savings by €400
- Rebalance to 80/20 equity allocation
- Invest year-end bonus into index funds
How to Create Your Wealth Plan
Watch this step-by-step guide on creating your personalized FI wealth plan with Perfient.
- Create your financial profile in minutes
- Generate a comprehensive wealth plan
- Track your action items and update its status
- Optional review with Certified Financial Planner (CFP)
Not Another Generic Finance Calculator
Perfient is built specifically for Financial Independence planning — not generic budgeting or expense tracking.
Your Entire Financial Picture
Income, expenses, assets, liabilities, and investments — all in one place to calculate your true FI timeline.
Accurate Timeline Modeling
Portfolio growth projections, safe withdrawal rate analysis, and scenario modeling give you a reliable FI date.
Not Just Numbers — A Plan
Perfient translates your data into specific actions: save more here, reallocate there, and reach FI years sooner.
Built on Trust & Transparency
Your financial data deserves the highest standards of security and privacy
Data Never Sold
Your financial information is never sold, shared, or monetized. Perfient is funded by subscriptions, not data.
Secure Calculations
256-bit encryption and client-side processing keep your numbers private. We never store sensitive data on our servers.
No Brokerage Access Required
You enter your numbers manually. No account linking, no open banking connections, no read access to your accounts.
Educational Tool, Not Advice
Perfient is a planning and education tool. It helps you understand your situation — decisions remain yours.
Contact the Perfient Team
Share a question or request.
Prefer a quick note?
Tell us what you need — onboarding help, roadmap questions, security clarifications, or new features.
- Optional email means we can follow up directly.
Simple, Transparent Pricing
Financial intelligence you can trust — no ads, no data sales, no hidden incentives.
Perfient Basic
Everything you need to get started
- Financial Independence simulator
- Net Worth and Goal Attainment simulators
- Privacy-first by default
- Client-side encryption
- Local data storage
Perfient Wealth Plan
Your complete FI roadmap
- Everything in Perfient Basic
- Comprehensive Wealth Plan PDF (15–20 pages)
- FI timeline with scenario analysis
- Top 3 actions to accelerate FI
- Unlimited wealth plans for 1 year
- Optional CFP review (at additional special price)
No pay-per-use. No commissions. No data monetization.
Good financial decisions require thinking freely — not counting queries.
Perfient is funded by subscriptions, so our only incentive is helping you reach Financial Independence faster.
See Your Financial Independence Timeline
Generate your personalized Wealth Plan in 3 minutes. No bank connection required.