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Take the first step toward financial independence
Financial independence (FI) can help to give you options—to work or retire early, to travel, to do whatever it is you love. By making small changes today, you can open a future full of possibilities.
Answer some questions about your current situation to get a customized to-do list and a plan for financial independence.
Your financial independence journey with Fidelity
Put your money to work
We'll give you a step-by-step plan to help you decide where to put your extra dollars from each paycheck.
Prioritize accounts with tax benefits
We'll help you understand the potential tax benefits you can find by saving in tax-advantaged accounts.
Check in anytime
You'll have access to a personalized dashboard where you can make changes as your life evolves.
What you'll get in your FI plan
Your savings rate
It's the percentage of your income that you don't spend. Think of your savings rate as your speed to FI.
Your FI number
This is how much you may need to cover your expenses by withdrawing from your investments instead of a paycheck.
Our planner considers your income, savings, and debt to help you prioritize account contributions that make sense for you.
The Financial Independence planner is grounded in key principles of the Financial Independence / Retire Early movement. Learn more about the fundamentals to help you get started.
In addition to your 401(k) or 403(b), you may be eligible to contribute to other tax-advantaged accounts, such as IRAs and HSAs. These accounts offer powerful tax benefits, and are often part of the foundation of many FI strategies.
Brokerage accounts may not have the same tax advantages as IRAs, but they offer a wide range of investment choices, including individual stocks, bonds, or mutual funds.
Many in the FIRE movement focus on fees when considering which funds to invest in. Consider index ETFs and mutual funds which may have lower expenses than actively managed funds.
Investing involves risk, including risk of loss.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917