Last updated 16 August 2026
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Everything on this site is general educational material and personal opinion. It is not financial, investment, tax, legal, or accounting advice, and it is not a recommendation to buy, sell, or hold anything.
Nobody involved in this site holds any licence or authorisation to provide financial advice in any jurisdiction. No relationship of adviser and client is created by reading anything here, by using the calculator, or by joining the email list. Before acting on anything you read here, speak to a qualified professional who knows your full circumstances.
The Independence Calculator performs simple arithmetic on figures you supply. It divides your liquid position by your monthly cost of living, and it divides your annual cost of living by a four percent withdrawal rate.
Four percent is a widely used planning convention, not a guarantee and not a promise of any return. The calculation deliberately ignores taxation, inflation, investment risk, market conditions, currency movement, your health, your pension entitlements, and every other fact of your particular life. Its output is a rough position, not a plan, and it should never be relied on as the basis for a financial decision.
Reasonable care is taken with everything published here, but no warranty is given that any of it is accurate, complete, or current, and figures used as examples are illustrative. You use this site and its calculator at your own risk.
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There is no man named Edmond Favre. The name, the voice, and the face used on this site and on social media are a designed persona, not a real watchmaker and not a licensed adviser. The arithmetic presented is real and can be checked by hand; the man presenting it is not.
Nothing on this site is financial advice, and nobody here is licensed to give it. For decisions involving your actual money, speak to a qualified professional who knows your circumstances.