No Thanks Money Calculator

Target: —

Year-by-year projections for reaching your financial independence goal (e.g., 25× annual expenses). Inspired by F-You Money (but I prefer to call it "no thanks money")

Currency

Average monthly spending

Current investments (total)

Expected real annual return (%)

Monthly savings (add to investments)

Target multiplier (× annual expenses)

Projections assume monthly contributions at month end and a flat real annual return (compounded monthly).

Results snapshot

Current balance

$0

Years to target

—

Target amount

$0

Year-by-year projection

Balance

Year	Start Balance	Contributions	Return	End Balance