Money, Modeled

Financial Freedom Planner

Start with the end. Pick the age you want to be free and the life you want to fund, then work backwards to the monthly number.

Symbol only, no conversion

Freedom number
Starting money grows to
Total you put in
Market does the rest
Your goal
What you'd spend in a year if you retired today. We grow it with inflation.
Pensions, rental income. Assumed to start at your freedom age and rise with inflation. If it starts later, leave it out.
What you can start with
Asset mix & returns
Size the freedom number by

Your money, year by year

Money you put inGrowth while buildingFreedom years (withdrawing)

Hover or tap the chart to see any age.

What if I'm free earlier or later?

Freedom ageFreedom numberMonthly, starting now

Everything else stays the same. Earlier freedom means fewer years to invest and more years to fund.

The cost of waiting

Start investingMonthly neededvs. starting now

Same freedom number and freedom age. A rough guide: your starting money is assumed to sit uninvested until you start, and the stock-mix glide and yearly raises restart from the later date.

Save your plan

Download the year-by-year numbers, or print a one-page summary (choose "Save as PDF").
See the full year-by-year plan
AgePhaseStocksReturnStartPut inWithdrawGrowthEnd

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