Goals & Financial Independence

What you are saving towards, whether the pace gets you there, and how far off the point of not needing to work is.

Financial independence at 25× yearly expenses

৳2,073,915

You need

You have

৳77K

Years away

2.8

Getting there

2029-05-05

3.7% of the waysaving 90.3% of income

What moves the independence date

Both levers, priced. Saving more usually beats earning more return.

Save 10% more each month

2.5 years

0.3 years earlier than now

Earn 2% more return

2.7 years

0.1 years earlier than now

Independence here means your assets throw off enough to cover a year of your current ৳6.9K monthly spending, indefinitely. Cutting expenses moves the target down and the date closer at the same time, which is why it is the strongest lever of the three.

No goals yet

An emergency fund, a trip, a laptop, a down payment. Give each one a target and a date and this page tells you exactly what to put aside each month, and whether your current pace gets you there.

How the independence number is worked out

No black box. These are the exact inputs.

Yearly expenses

This month's spend, annualised

৳82,956.6

Target multiple

The classic safe withdrawal assumption

25×

Independence target

৳2,073,915

Net worth today

৳77,010.63

Saving each month

90.3% of what you earn

৳64,105.45

Assumed return

Default, no instruments recorded

7.0%

At this rate you get there in 2.8 years, around 2029-05-053.7%

Projections assume steady contributions and returns. Real life is lumpier, so treat the date as a direction rather than a promise.