Your
Freedom Number

What is a freedom number? +

Your freedom number is the amount of money you need invested to live off returns and stop trading time for money. This is also what a lot of people think about with retirement. Your number depends on the life you actually want, where you live, and how much of a buffer you want in the future. Two minutes from now, you'll know yours.

Knowing your freedom number can significantly change the actions you take for the rest of your life if you're serious about it.

Heads up: this is a directional estimate, not financial advice. The math is simplified and the numbers won't be perfect for every situation. Use it to get oriented, not to plan a portfolio.

Your freedom number is
$0

These are estimates. Real life is messier, costs shift, and your plans will change. The goal here is to give you a real sense of what financial freedom actually costs based on the life you said you want, so the number stops feeling abstract.

Goal lifestyle cost
Today
$0
per month
$0
per year
At age 45
$0
per month
$0
per year
Freedom number
$0
In 2026 dollars
By age 45
$0
3% inflation compounded in 0 yrs
Required monthly investment to reach
$0
At 7% return (S&P avg)
Years until free
0
From today
Freedom Chart Year by Year
Required path
Current pace
Freedom number —
Tweak Goal Lifestyle
Mid-size city
Rural · 0.85xNYC/SF · 3x
Family home · $3,800/mo
MinimalMansion
Reliable car · $700/mo
NoneDream garage
Extra costs of life
Toggle any item on or off to see how it changes your number.
24
1670
45
2575
+25%
RiskySafer
Current Finances
$0/mo
$0$20k/mo
$0/mo
$0$10k/mo
$0
-$250k$500k+
Will you get there?
What moves the needle
Three handles. Here's exactly what pulling each one does to your number.
Save more
+$500/mo invested
+$0+$5k
—
More monthly into investments shortens the timeline.
Spend less
−$500/mo lifestyle
−$0−$3k
—
Every dollar you don't spend is 25 dollars you don't have to save.
More time
Retire +5 years later
+0+15 yrs
—
Compounding does most of the heavy lifting in those extra years.
How you compare
vs. Americans your age
Net worth today
You
$0
Median your age
$0
Top 10% your age
$0
Monthly investment to hit your goal
You'd need
$0
Median saver does
$0
Top 10% does
$0
Freedom number reality check
What people THINK they need
$1.8M
Schwab 2023 survey average
What you actually need
$0
Off by 0%
Sources: Federal Reserve SCF 2022, Vanguard How America Saves 2023, Schwab Modern Wealth 2023.
Inflation calculator
See what an amount of money will be worth, both directions: what it will cost in the future, and what its buying power will be.
$
yrs
Future value
$180,611
$100,000 today will need to be $180,611 in 20 years to keep the same buying power.
Buying power
$55,368
$100,000 in 20 years will only feel like $55,368 in today's money.
All math uses 3% annual inflation (the historical US average). Real inflation varies year to year, but 3% is the standard long-term assumption.

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