Your Freedom Date

Enter what you earn, what you spend, what you have invested, and the assumptions you want to test. The tool calculates a savings rate, portfolio target, and timeline from your figures. It does not select a growth or withdrawal rate for you.

What you keep each month

Monthly income ($)Everything you bring in per month, after tax.Monthly spending ($)What you spend per month, not counting money moved to your own accounts.Auto-invest transfers ($)Money you route to your own investment accounts. Still savings.Invested assets today ($)What you already have working toward freedom, the base it grows from.

Your freedom target

The portfolio that sets you free is the spending you plan for, divided by the share you draw from it each year. Enter your own figures.

Target annual spending ($)What you plan to live on each year once you are free. Many use their current spending.Essential annual spending ($)Your bare-bones number, for the lean freedom figure below.Withdrawal rate

The share you plan to draw from the portfolio each year. This assumption is yours to set.Real growth you plan for

Your own long-run growth assumption, after inflation. This is yours to set, not ours to suggest. It drives the freedom date and the coast figure.

Your age nowUsed with your target age to find how long the coast figure has to compound.Target age to be freeWhen you want the option to stop working.

This tool is for educational and personal planning purposes only. It is not financial, tax, or investment advice, and it is not a prediction. Every figure is calculated from the numbers you enter, including the growth assumption, which is your own. We represent no rate of growth and promise no outcome. Consult your own financial professional before acting.

Want to read the savings rate these numbers rest on first? Start in the Cashflow tool.