Answer a few questions about your savings, income, and goals. Get a real number for what retirement costs you — and the age you'll get there. Nothing is stored, nothing is sent anywhere.
Your age and what retirement income you're aiming for.
Rough numbers are fine — this isn't tax software.
This gets subtracted from your net worth today — it won't slow your projected growth rate, but it starts you further back.
One last check before we calculate your number.
We'll use these numbers to project your portfolio forward year by year until it can sustain your target income at your chosen withdrawal rate.
Vehicles are included in your total net worth above, but not in your Freedom Number — cars lose value over time, so they're not counted as retirement fuel.
| Age | Years out | Projected value | Status |
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A simple growth calculator — put in what you're starting with and adding monthly, and see what it turns into.
See your monthly payment, your payoff date, and how much extra payments could save you.
Fill this out and it'll be reviewed anonymously — email is optional, only include it if you want advice sent back directly. This form leaves your browser and goes to Google Forms, unlike the calculators above.
If the form doesn't load, you can open it directly in a new tab.
No calculator needed for these — just places where a little comparison shopping tends to pay off.
Most big banks pay next to nothing on savings. A high-yield savings account pays substantially more on the exact same cash, with no extra risk and usually no fees — it's one of the few genuinely free upgrades in personal finance. If your emergency fund is sitting in a checking or regular savings account, this is likely your fastest win.
Car insurance rates vary a surprising amount between providers for identical coverage, and most people never shop around after their first policy. Rates also drift over time as your driving history, credit, and location change — even loyal customers often aren't getting the best price. A quick comparison can turn up meaningful monthly savings for the same coverage.
If you already pay your balance in full every month, a good travel card turns everyday spending into free flights, hotels, or cash back — money you're leaving on the table with a no-rewards card. This only makes sense if you're not carrying a balance: interest charges will wipe out any rewards you earn many times over.
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