Liquid Net Worth
Hugo defines Liquid Net Worth as holdings in liquid cash/savings and investment asset classes. It deliberately does not subtract liabilities. Long-term leverage is assessed by Debt Score, while short-term resilience is assessed by Cash Runway.
Financial Independence
Hugo uses the 4% withdrawal-rule convention:
FI number = annual expenses × 25
Financial Independence % = liquid net worth ÷ FI number × 100
This is current progress, not a forecast or a personalized safe-withdrawal recommendation.
Years to FIRE
Years to FIRE estimates how long it could take to reach 25× annual expenses at the current savings pace.
When at least 24 months of investment history is available, Hugo uses an estimated annual return from your own portfolio history. Otherwise it uses a default 6% annual estimate and discloses that default below the metric.
If the current pace cannot reach the target, the result can be unavailable rather than “never.” Changes in expenses, savings, returns, taxes, and life circumstances can materially alter the estimate.