Step 1/7 · 14%Welcome
Step 1 of 7 · Welcome

Retirement is not an age. It's a number.

A short, guided session to find yours.

What is a Freedom Number?

Your Freedom Number is the amount of invested money that could cover your chosen lifestyle indefinitely — the point where work becomes a choice rather than a requirement. It isn't an age, and it isn't a salary. It's a number you can actually plan toward.

3–5 min

Estimated time

7 steps

Guided session

Private

Stays in your browser

Optional. We'll use this in your dashboard, report cover, and the Freedom Guide. Stored only in your browser.

Module 00
How to use this app

Learn as you go.

A step-by-step educational planner, not just a calculator. Expand any section below to go deeper — or skip ahead and learn as you scroll.

What you'll learn10 ideas covered across the journey
Concepts
  • ›Withdrawal rates
  • ›The 4% rule
  • ›The 4.7% discussion
  • ›Coast FIRE
  • ›Barista FIRE
  • ›FI age vs retirement age
  • ›Longevity planning
  • ›Monte Carlo simulations
  • ›Portfolio sustainability
  • ›Money, work & freedom
Take your timeWhy the explanations matter

The explanations are included intentionally. By the end, you should have a clearer view of your Freedom Number, the assumptions that shape it, and the options that may open up over time — not just what the number is, but why it matters.

At the end · Your reportA personalised PDF you can revisit

When you reach the final step, you can generate a personalised PDF report that summarises your inputs, your Freedom Number, and the key learnings from your journey — so you can revisit, reflect, and go deeper at your own pace.

Educational planning tool only — not financial advice. See disclaimer, methodology, privacy and terms.

Disclaimer

This is not financial advice, investment advice, or financial coaching.

This is simply a fun educational planning tool designed to spark curiosity and conversation about financial independence, retirement, and life planning.

The goal is not necessarily to retire early. The goal is to understand the relationship between spending, savings, investments, and freedom.

Many people overestimate the amount they need to retire, while others underestimate it. Some people may choose to continue working long after reaching financial independence because they enjoy their work. Others may choose to reduce hours, pursue passion projects, spend more time with family, travel, volunteer, or explore new opportunities.

This tool is intended to help users better understand their numbers so they can make more informed decisions about how they spend both their money and their time.

All calculations are expressed in your selected local currency and are intended solely for educational and illustrative purposes. Results should not be interpreted as personalised financial, investment, tax, or retirement advice.

Please consult a qualified financial professional before making financial or investment decisions.