Freedom Calculator
Choose how you spend your time. Become work optional.
Fill out the questionnaire to learn how much you need to never have to rely on a paycheck again, and how soon you can get there.
Sample result. Yours updates every time you change a number.
The method
How we calculate your freedom number
Your real life expenses
What you actually spend — housing, kids, the real costs a one-line rule of thumb misses.
Your current investments
Every account you already have — 401(k), IRA, HSA, brokerage, employer match — counted as the head start it actually is.
Your ability to accelerate
Your savings rate today, and exactly how much closing that gap moves your date.
Curious how the math works? See how we calculate your number.
The Plan
Determine how to get there
A number on its own isn't a plan. Your guidance list is ordered by what earns you the most, right now — whether it's finding a way to increase your income, capturing your full employer match, or contributing to a taxable brokerage account.