Freedom Number Calculator
Calculate how much you need to achieve financial independence based on your expenses and expected returns.
Include all regular expenses: housing, food, utilities, insurance, etc.
Historical stock market average is around 7% after inflation
Enter your financial details to calculate your freedom number
Your freedom number is based on the 4% rule, a guideline from the Trinity Study. It suggests you can withdraw 4% of your investment portfolio annually with a high probability of not running out of money over a 30-year retirement.
To calculate your freedom number, we multiply your annual expenses by 25 (the inverse of 4%). For example, if you spend $48,000 per year, your freedom number would be $1,200,000.
The time to reach your goal depends on your current savings, how much you save monthly, and your investment returns. Increasing your savings rate is typically the most powerful lever for reaching financial independence faster.
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For informational and educational purposes only. This calculator provides estimates based on the information you provide and general financial principles. Results are not guaranteed and should not be considered financial, investment, or tax advice. Please consult a qualified financial advisor for personalized recommendations.