Calculate your freedom number.
We Are Calculator
Professional Financial Tools
8/25/2026
What you expect to spend each year once financially independent, in today's dollars.
4% is the standard assumption and implies a 25× target. A lower rate is more conservative and raises the number.
Retirement and taxable investments. Exclude your home — it does not generate withdrawable income.
Return above inflation. Keeping everything in today's dollars means the target does not need inflating separately.
$50,000 of annual spending at a 4% withdrawal rate — a 25.0× multiple.
$250,000 of $1,250,000.
A leaner target based on covering 70% of current spending — the same multiple applied to a trimmed budget.
Double your current spending, for a target that funds a more comfortable lifestyle than you have today.
Saving $30,000/yr at a 5.0% real return. For an exact retirement date including a target age, use the FIRE calculator.
Reach this amount and you could stop contributing entirely — growth alone would carry you to your FI number over the same period.