Financial Independence Ratio

The Financial Independence (FI) Ratio Calculator measures your progress toward the point where passive income from investments covers all living expenses. A ratio of 1.0 means you have achieved financial independence — work is optional because your investments generate enough income. Enter your annual passive income (dividends, rental income, interest, business income not requiring your time) and your annual living expenses. The gauge shows your FI ratio as a progress meter toward 1.0, with the gap representing how much more passive income you need. This is the ultimate personal finance metric for the FIRE community. Tracking it monthly or quarterly provides clear feedback on whether your wealth-building actions are moving you closer to financial independence. Each 0.1 increase represents a meaningful milestone.