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Planning & decision tool
Freedom number / FI calculator
Your freedom number is the invested amount that would let work become a choice, and it keys off how much you spend, not how much you earn. This puts a figure on it from your annual spending, shows the Coast-FI milestone where your current savings could grow into that number on their own, and works out the spending a given portfolio can support, all under return assumptions you can change.
Background reading: Big lifestyle decisions
Your freedom number
$3,000,000
Invested capital that supports $120,000/yr at a 4.0% withdrawal rate
Hypothetical illustration. These figures are illustrations under the assumptions you set, not a guarantee or a promise you will reach any number.
Progress toward your freedom number20.0%
What today's assets sustainably support$24,000/yr
Coast number (grown 20 yrs)$1,130,668
Coast-FI reached?Not yet
Where this goes next
This is an illustration, not advice. Whether and when you can rely on a number like this is a conversation with a CFP.
Assumptions and simplifications
- This is a hypothetical illustration under stated assumptions, not a guarantee or a prediction of your actual results.
- The freedom number uses the safe withdrawal rate shown; Coast-FI uses the expected real return shown. Both are assumptions you can change.
- Inflation, taxes, sequence-of-returns risk, and changing spending are simplified; real outcomes vary and can fall short of the assumption.
- Treat the number as a planning reference, not a target you are certain to reach.