Crossover Point Calculator
Discover when your passive investment income will cover all your monthly expenses — your personal financial independence date.
Your Numbers
Your Crossover PointThe Crossover Point is when your passive investment income covers all your monthly expenses — you've reached financial independence.
July 2059
33.4 years until financial independence
Projection Chart
Portfolio growth vs. passive income using the 4% RuleThe 4% Rule suggests you can safely withdraw 4% of your portfolio each year in retirement. Your monthly passive income is calculated as (Portfolio x 4%) / 12.
Milestones to Financial Independence
16.9 years
Portfolio: $226,002
Income: $753/mo
24.8 years
Portfolio: $452,811
Income: $1,509/mo
29.8 years
Portfolio: $677,712
Income: $2,259/mo
33.4 years
Portfolio: $900,366
Income: $3,001/mo
Disclaimer: This calculator is for educational and illustrative purposes only. It uses simplified assumptions including a constant annual return rate, fixed monthly expenses, and the 4% safe withdrawal rate. Actual investment returns fluctuate, taxes and inflation are not accounted for, and past performance does not guarantee future results. This is not financial advice — consult a qualified financial advisor for personalized guidance.
