Free tool

The Financial Freedom Calculator

Your freedom number is the amount you'd need invested so that withdrawals cover your annual expenses indefinitely. Adjust the numbers below to match your life.

Annual expenses

What you actually spend to live, per yearWithdrawal rate

A common starting point is 3.5%–4%Current invested savings

Retirement and brokerage accounts, not cash reservesMonthly contribution

What you can consistently invest each monthExpected annual return

Long-run average after inflation is often modeled at 5%–7%

Your freedom number

$1,010,526

generates about $3,200 per month at your chosen withdrawal rate

Time to reach it28.5 years

This assumes your contribution and return rate stay steady, which real markets won't do in a straight line — treat it as a planning estimate.

Want to close the gap faster?

The Budget Tools page shows you exactly where your monthly contribution can grow, and the Toolkit maps out the order of operations to get there.

Open Budget Tools