Portfolio value alone has no destination. FI percentage shows how much of your financial-independence target is already funded.
OUR METHODSources → assumptions → European context → verdict
The formula
Divide the current invested portfolio by the FIRE number and multiply by 100.
- Portfolio: €120,000
- FIRE number: €600,000
- FI percentage: 20%
Why it helps
The percentage anchors market fluctuations to a destination. A temporary fall from 20% to 18% is easier to interpret than a portfolio loss without context.
A monthly routine
Record it on the same date each month, alongside contributions and your current FIRE number. Recalculate the target when long-term spending changes—not after every market move.
Educational illustration only—not personal financial, tax or investment advice. Tax, salary, broker and market figures change; verify current local information before acting.