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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FI-eligible portfolio
£391k
Projected FI date
Nov 2034
Monthly contributions
£2,800
Planning return
6.2% p.a.
Probability of reaching FI
by November 2034
49%
Moderate confidenceLikely FI window
January 2032
to July 2038
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
57% of total portfolio
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.
Projected FI date
November 2034
FI target
£1,050,000
Contributions
£2,800/mo
Planning return
6.2%
Inflation
2.5%
Withdrawal rate
4%
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.
Probability by target
49%
Moderate confidenceLikely FI window
January 2032 — July 2038
Sustainability
99%
15-year horizon
Simulation basis
10,000 paths
Monte Carlo
Across 10,000 simulated market paths, the plan reaches FI in 49% of outcomes, with the likely window spanning January 2032 to July 2038.
Scenarios
What if I invested £500 more each month?
Current plan
£2,800/month
FI by Nov 2034
49% probability
With £500 more
£3,300/month
FI by March 2033
62% probability
Probability increases from 49% to 62%
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, so your consolidated view is always current.
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
Mid-career professional
Late 30s
Coast FI planner
Early 40s
Approaching retirement
Mid 50s
International investor
Mid 30s
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 methodologyEncrypted in transit
All connections use TLS encryption.
Isolated accounts
Each user's data is logically isolated. No cross-account access.
No data selling
Your financial data is never sold, shared with advertisers, or used for marketing.
Read-only integrations
Broker connections request only read access to positions and balances.
Full data export
Export all your data at any time in standard formats.
Account deletion
Delete your account and all associated data permanently.
Simple pricing
Start free. Upgrade when you need probabilistic planning or broker integrations.
Free
Free
Build and forecast your plan manually.
- Current financial position
- FI calculation
- Expected Path forecast
Plus
Most popular$12/mo
Understand uncertainty and compare decisions.
- Everything in Free
- Probabilistic forecasting
- Advanced scenarios and reports
Pro
$50/mo
Keep your portfolio automatically up to date.
- Everything in Plus
- Automatic broker synchronisation
- Automated portfolio history
See your path to financial independence
Connect your portfolio and get a clear, honest projection in minutes.