حاسبة الاستقلال المالي: متى تحرر نفسك من العمل؟
احسب المبلغ الذي تحتاجه للتقاعد مبكراً وفقاً لظروفك في السعودية
4 min439 words
احسب طريقك نحو الاستقلال المالي (FIRE). حدد عدد السنوات حتى تتمكن من التقاعد المبكر بناءً على معدل الادخار وعوائد الاستثمار واستراتيجية السحب.
finance
حاسبة الاستقلال المالي
احسب طريقك نحو الاستقلال المالي (FIRE). حدد عدد السنوات حتى تتمكن من التقاعد المبكر بناءً على معدل الادخار وعوائد الاستثمار واستراتيجية السحب.
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ما هو Financial Independence آلة الحاسبة؟
A Financial Independence Calculator estimates when you can retire based on savings rate, investment returns, and annual expenses using the FIRE (Financial Independence, Retire Early) methodology.
كيفية الاستخدام
Enter your annual income, expenses, current savings, expected return rate, and safe withdrawal rate. The calculator shows your FIRE number and years to financial independence.
الأسئلة الشائعة
What is a Financial Independence Calculator?
A Financial Independence (FI) Calculator helps you estimate the total amount of money you need to save to retire or live without working. It calculates your 'FI Number' based on your annual expenses and expected investment returns.
What is the 4% Rule?
The 4% Rule is a guideline stating that you can withdraw 4% of your investment portfolio annually in retirement (adjusted for inflation) without running out of money. This implies your FI Number is 25 times your annual expenses.
How do I determine my Annual Expenses?
Your annual expenses should reflect the amount of money you expect to spend in retirement. Look at your current budget, removing work-related costs (like commuting) and adding potential retirement costs (like increased travel or healthcare).
What is a Safe Withdrawal Rate (SWR)?
The Safe Withdrawal Rate is the percentage of your portfolio you withdraw each year. While 4% is common, a more conservative rate (e.g., 3.5%) increases safety if you retire early or expect a long retirement.
Does this account for inflation?
Yes, most FI calculators assume your withdrawal amount increases with inflation to maintain purchasing power. The expected annual return input should be the 'real' return (return minus inflation) or the calculator handles the adjustment internally.
What if my income varies?
Enter your average expected annual contribution to your investments. You can run different scenarios with lower contribution rates to see how a bad year might impact your timeline.
Your Next Steps
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