Financial independence planning

See when your portfolio could set you free.

Bring your investments, property, cash, contributions and lifestyle into one clear plan. See when you could reach financial independence and the range of outcomes along the way.

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Expected pathMonte Carlo

FI-eligible portfolio

£391k

Projected FI date

Jun 2035

Contributions

£2,800

Planning return

6.2% p.a.

Probability of reaching FI

by June 2035

48%

Moderate confidence

Likely FI window

October 2033

to November 2037

Portfolio-connected forecastsExpected path and probabilityMulti-currency reportingEvery assumption visible

Your financial position

From everything you own to what can fund your freedom

Your total net worth includes property, cash, investments and other assets. But not all of that generates passive income. Yield Clarity separates total wealth from the assets actually funding your independence.

Total net worth

£682,400

FI-eligible

£391,400

Portfolio structure

Financial independence eligibility

Eligible£391,400

57% of total portfolio

Investments£342,800Included

Cash accounts£48,600Included

Property equity£215,000Excluded

Other assets£76,000Excluded

Excluded from FI£291,000

Forecasting

Model one expected path, then examine thousands of possible outcomes

Your expected-path forecast shows a single projected FI date based on visible assumptions. The probabilistic forecast runs 10,000 simulated market paths to show you the range of outcomes and the probability of reaching your target.

Expected path

Projected FI date

June 2035

FI target

£1,050,000

Contributions

£2,800/mo

Planning return

6.2%

Inflation

2.5%

Withdrawal rate

Each assumption is shown and adjustable. Change your contribution, adjust your target income, or select a different return assumption and the FI date updates immediately.

Monte Carlo

Probability by target

48%

Moderate confidence

Likely FI window

October 2033 – November 2037

Sustainability

99%

15-year horizon

Simulation basis

10,000 paths

Monte Carlo

Across 10,000 simulated market paths, the plan reaches FI in 48% of outcomes, with the likely window spanning October 2033 to November 2037.

Scenarios

What if I invested £500 more each month?

Current plan

£2,800/month

FI by Jun 2035

With £500 more

£3,300/month

FI by November 2034

7 months earlier

Estimated FI date, compared with your current plan

Multi-currency

International portfolios, one consolidated plan

Each asset stays in its native currency. Yield Clarity converts to your chosen base currency using market exchange rates, refreshed through the day rather than in real time.

Holdings by currency

GBP

UK investments

£218,400

USD

US equities

$86,200

EUR

European funds

€42,100

AED

Cash reserves

AED 28,400

Consolidated total (GBP)

£391,400

Get started

Start with a life that looks a little like yours

Explore a complete example plan, then start your own whenever you're ready.

Early-career investor

Late 20s

AssetsInvestments + pension

Horizon18 years to FI

Mid-career professional

Late 30s

AssetsFunds, property equi…

Horizon9 years to FI

Coast FI planner

Early 40s

AssetsIndex funds, rental …

Horizon12 years (coasting)

Approaching retirement

Mid 50s

AssetsPensions + investments

Horizon3 years to FI

International investor

Mid 30s

AssetsMulti-currency portf…

Horizon11 years to FI

Create a free example plan Build my own plan

Planning this important should never be a black box.

Every forecast shows its assumptions. Every assumption is adjustable. If your projected FI date changes, you can see which input moved and by how much.

The methodology is documented in full from how your planning return is derived to how the Monte Carlo simulation generates confidence ranges.

Read the methodology

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Current financial position
FI calculation
Expected Path forecast

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