Build Your FI Budget

Your FI Budget projects what you'll spend and earn in retirement. It has two columns: "Now" (current monthly amounts) and "Future" (projected retirement amounts).

Adding Lines

On the Goals page, the FI Budget section lets you add income lines (positive amounts) and expense lines (negative amounts). You can seed lines from your spending history or add them manually.

Now vs. Future

• Now: Your current monthly income and expenses
• Future: What you expect in retirement. By default, expenses are reduced by the FI Budget Multiplier (e.g., 80% of current spending). Income defaults to the same as current.

Override any line's future amount by editing it directly. Use "Apply %" to reset all future values to computed defaults.

How It Drives Your FI Number

Your annual future expenses (sum of negative future amounts, annualized) divided by your safe withdrawal rate equals your auto-computed FI Number. The lower your future expenses, the lower your target and the sooner you reach FI.

Tips

• Be realistic about which costs disappear (mortgage, commute, childcare) and which grow (healthcare, travel)
• Review and update your FI Budget quarterly as your spending patterns change
• Use the suggested amounts from your budget history for accurate starting points