Most retirement calculators start with your 401(k) balance. Financial Freedom Calculator starts with the monthly life you want, separates what actually pays you (investments) from what doesn't (your home, your car), and shows which lever, spending or saving, moves your date the most.
Start from the life you want, not from a savings rate. Everything runs in your browser; nothing is sent anywhere.
Don't count your home, car or cash buffer as invested. They don't pay for groceries.
Monthly spending in today's dollars.
Your number, years away and percent done.
A written plan with taxes and Social Security, if you want one.
A 6-page personal plan: taxes, account order, Social Security, a what-to-change list. One-time.
Reserve now — $29, pay at launchYour logo on this calculator for your clients, with leads sent to you.
Reserve now — $19/mo, pay at launchReserve now, pay at launch. No card is charged today and we never ask for card details on this site.
No. It's an educational illustration. For advice, talk to a fee-only fiduciary planner.
The share of your portfolio you spend each year. 4% is a common rule of thumb from US historical studies; lower is safer.
The calculator runs only in your browser. If you reserve the plan, you choose what to share.
Fee-only financial planners and coaches who want a lifestyle-first calculator on their own site.
No card is charged today. We don't collect payment details here. Paid tiers are billed only at launch, after you confirm.