Disclaimer

Your Freedom Number is an educational planning tool built to help people understand the relationship between spending, savings, investment growth, and the freedom of choice that financial independence can offer.

It is not financial advice, investment advice, tax advice, legal advice, retirement planning advice, or financial coaching of any kind. It does not create a professional or fiduciary relationship between you and the creators of this tool.

Estimates, not predictions

Every number shown — your Freedom Number, your projected Financial Independence age, Monte Carlo success rates, scenarios, and recommendations — is a directional estimate based on the inputs you provide and a small set of simplifying assumptions. Real life is more variable than any model. Markets, tax rules, inflation, healthcare costs, careers, family circumstances, and personal preferences all change over time.

You are responsible for your decisions

You should not make financial, investment, retirement, career, or lifestyle decisions solely based on the output of this tool. Please consult a qualified, licensed financial professional in your jurisdiction before acting on any number you see here.

No warranty

The tool is provided on an "as is" basis without warranties of any kind. The creators are not liable for any losses, missed opportunities, or decisions taken in reliance on the information presented.

See also our methodology, privacy, and terms of use.