Simulation Results (500 Scenarios)

Probability of Reaching FI:

Median Portfolio:

Best Case (95th %ile):

Worst Case (5th %ile):

Strategies to Improve Your Outcome

• Increase your savings rate – Even 5–10% can help.
• Extend your investing horizon – More time means more compound growth.
• Re-evaluate your FI target – Could you reach freedom with a slightly lower number?
• Reduce your expenses – Every dollar saved is a dollar that can work for you.
• Add income streams – Even a small side hustle adds powerful leverage.