On-Chain Freedom | ether.fi FI Calculator

Your Plan

How This Strategy Works

Deposit assets into ether.fi Liquid vaults

Earn yield on ETH, BTC, or USD without selling

Spend using Borrow Mode

Borrow against collateral at 4% APY instead of selling

Reach Financial Independence

When yield > spending + borrow costs, you're free

Total Monthly Vault Deposit

$4,000

$3,000 spending buffer + $1,000 savings

This is what you add to your vaults each month

Monthly Finances

Monthly Spending ?

Monthly Savings (into vaults) ?

Starting Portfolio Value ?

Vault Allocation

Ξ ETH

50%

₿ BTC

20%

$ USD

30%

Card Membership

Membership Tier ?

Reinvest cashback into vaults ?

Advanced Settings

ETH Vault APY

BTC Vault APY

USD Vault APY

Borrow Rate (APY)

Inflation Rate (spending growth)

%/yr

Savings Growth Rate

%/yr

Expected ETH Price Growth

%/yr

Expected BTC Price Growth

%/yr

Yield Variance Range (for scenarios)

±%

Net Worth Target (secondary goal)

Your Path to Freedom

                            Time to Financial Independence
                            ?
                                When your monthly yield covers spending + borrow interest
                            
                        
5.2 yrs
~March 2031

Time to Net Worth Target

8.7 yrs

$1,000,000

Monthly Yield at FI

$4,280

vs $3,890 spending

Blended Vault APY

4.98%

Weighted average

Monthly Cashback (wETH)

$78

Core tier @ 3%

Portfolio at FI

$412,500

Collateral value

Liquidation Health — Peak Risk (Year 2)

Safe

Debt: $36,000 Max Borrow: $27,500

LTV Ratio

35%

Safety Buffer

42%

ETH Liquidation Price

$1,420

What is liquidation?
If your collateral value drops too much relative to your debt, ether.fi may sell some of your assets to repay the loan. This protects the system but means you lose some collateral.

How to stay safe:
• Keep LTV below 50% for ETH/BTC collateral
• Monitor prices during market volatility
• Add more collateral if prices drop significantly
• The "Safety Buffer" shows how much prices can drop before liquidation

Projections

Scenario Comparison

🐻 Bear Case

7.8 yrs

Yields -2%, Prices -20%/yr

📊 Base Case

5.2 yrs

Your current inputs

🐂 Bull Case

3.4 yrs

Yields +2%, Prices +30%/yr

Ready to Start Your Journey?

Get the ether.fi Cash card and start earning yield while you spend.

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Important Disclaimers

Not Financial Advice: This calculator is for educational purposes only. It does not constitute financial, investment, or tax advice. Always do your own research and consult with qualified professionals before making financial decisions.

Projections Are Estimates: All projections shown are hypothetical and based on the inputs you provide. Actual results will vary. Past performance does not guarantee future results. DeFi yields fluctuate constantly.

Liquidation Risk: Borrowing against crypto assets carries significant risk. If collateral values drop, you may face liquidation and lose some or all of your deposited assets. Never borrow more than you can afford to lose.

Smart Contract Risk: DeFi protocols involve smart contract risk. Audited protocols can still have vulnerabilities. Only deposit what you're willing to risk.