How to read the result
The independence date is when, in the central scenario, what you have invested reaches 25 times your annual spending. Look at the band too: if its lower edge takes ten years longer, it's worth leaving yourself a margin.
The levers, in order of impact, are usually these: spending less (it lowers the target and frees up saving), putting in more, and giving it time. The expected return matters, but it's the one you control least.
With your real net worth, and your plans
In Nett the projection starts from your actual net worth, split by type of asset, with the mortgage coming down every month, and lets you add plans: the deposit on a flat, a car, a child, a sabbatical or retirement.
Frequently asked questions
What is financial independence?
Having enough invested that, withdrawing what you spend each year, the money lasts. Here we measure it with the 4% rule: you need about 25 times your annual spending in assets that earn a return.
What is the 4% rule?
A guideline, not a law: withdrawing 4% of the starting portfolio each year, adjusted for inflation, has historically lasted about 30 years in most cases. That's why the target is 25 times annual spending (100 ÷ 4).
What is a Monte Carlo simulation?
Instead of assuming a fixed return every year, it generates 500 possible market paths with their volatility. So you see the central scenario and also how badly and how well things could go: the band covers 8 in 10 outcomes.
Why are the results in today's euros?
Because €500,000 in 25 years won't buy what it buys today. Taking inflation out lets you compare the result with what you spend now.
Does it account for taxes and fees?
No. It's an indicative simulation based on your assumptions; it doesn't include taxes, fees or state pensions, and it isn't an investment recommendation.