FI milestones are markers on your projection chart that show when you might reach key financial independence targets.
What is financial independence (FI)?
Financial independence means having enough invested assets to cover your living expenses without needing to work. It doesn't mean you have to retire — it means work becomes optional.
Available milestones
JettWorth can show these milestone markers on your projection chart.
Financial Independence (FI)
The year your investment portfolio is projected to be large enough to sustain your annual expenses indefinitely, based on a safe withdrawal rate. Hover the (i) icon on the chart for a plain-English explanation of safe withdrawal rate (SWR) and how it's calculated.
Coast FI
The year when your current investments, left to grow untouched, would reach your FI target by your chosen retirement age. After hitting Coast FI, you only need to earn enough to cover current expenses — no further saving required.
Lean FI / Fat FI
Lean FI uses a lower expense baseline (essentials only); Fat FI uses a higher one (current lifestyle plus margin). Configure the multipliers in the milestone settings.
Debt payoff
The year your last debt (mortgage, HECS, car loan, etc.) is projected to be fully repaid.
Setting up milestones
- Open Projections from the sidebar.
- Open the Milestones panel.
- Toggle on the milestones you want to see.
- Adjust your target retirement age, safe withdrawal rate, or annual retirement spend.
Milestone configuration persists across sessions — set it once and it stays.
How milestones are calculated
Milestones are recalculated each time your projection runs. They factor in your income, expenses, investment returns, super, tax, and any life events. As your situation changes, milestone dates will shift.
Note: FI milestone calculations are estimates based on your projection assumptions. They are not financial advice. A licensed financial adviser can help you build a personalised retirement plan.