Financial Independence Insights
You are progressing toward financial independence.
Plan resilience: 87% across historical windows.
Projected balance at financial independence is below the minimum by £226,362.
£200,000 of £1,000,000 required today.
Your plan remained sustainable in nearly all historical scenarios, demonstrating strong long-term resilience.
Next steps to improve resilience
- • Increase monthly savings to accelerate progress.
- • Adjust your financial independence age to allow more accumulation years.
- • Reduce annual spending to improve long-term sustainability.
You are building toward financial independence with a clear path ahead. Small adjustments can improve resilience and timing.
Key highlights
- Projected balance at financial independence: £773,638
- Expected wealth at life expectancy: £2,014,175
- State pension from age 66: £11,502
76 out of 87 historical windows remained sustainable.
Plan length 60 years · Data window 1880–2025 (146 years)
Estimated portfolio required to sustain your £40,000 annual lifestyle target.
Portfolio Trajectory
This chart shows inflation-adjusted portfolio outcomes over time. The center line is the typical outcome, and the shaded range reflects better and worse historical outcomes.
£2,014,175
Inflation-adjusted outcome at life expectancy
11
Historical windows with reduced resilience
£11,502
Annual from age 66
Range of possible outcomes
Data window: 1880–2025