When will you reach financial freedom?
Financial freedom means your investments can cover your spending. Enter three numbers and see your year.
Free. Completely.
Get notified when we launch:
Financially free by
App screenshot coming soon
Financial freedom comes down tosimple math
How much of your income you keep determines when work becomes optional. We show you exactly what that means for your timeline.
Three inputs. That's it.
Monthly savings, monthly spending, and current balance. No income questions, no guessing about future raises, no 47-field forms. We ask what matters.
Honest math, no tricks.
5% real returns after inflation. Monthly compounding. Conservative assumptions only -- current numbers, no inheritance, no windfalls. Everything else is a bonus.
One real answer.
A year. Not a range, not a probability distribution, not a chart that needs an advisor to interpret. You save this much, you spend this much -- here's when work becomes optional.
It's free. Really.
V1 is completely free. No paywall, no trial, no bait-and-switch. We're building something worth paying for later, and we need to earn that by making the free version genuinely useful.
Most retirement tools make simple math feel harder than it is.
Dozens of inputs, confusing projections, products to sell you. Financial freedom is a math problem, not a mystery. The tools just don't want you to see how simple it is.
Trust the experts
Drown in projections
Still no clear answer
Financial freedom shouldn't need a degree
Traditional retirement tools
- Dozens of inputs nobody understands
- Assumes you retire at 65
- Buries the answer in charts and reports
- Sells you products, not answers
- Makes simple math feel impossible
FIRE Projection
- Three inputs: savings, spending, balance
- Shows when work becomes optional for you
- One clear answer: a year
- Free. No products. No agenda.
- The math is simple. Now you can see it.
FAQ
Frequently Asked Questions
- We take your monthly savings, monthly spending, and current investment balance. Using 5% real returns (after inflation) with monthly compounding, we project when your portfolio will generate enough to cover your spending -- the point where work becomes optional. The math is conservative: current numbers only, no windfalls, no optimistic assumptions.
Yes. V1 is completely free with no catches. No trial period, no feature gates, no "upgrade to see your results." We're building premium features (deeper exploration, what-if scenarios) for later, but the core calculator -- your financial freedom date based on your numbers -- is free.
- The app handles this honestly. If your current path puts financial freedom beyond 50 years, you'll see that clearly. The point isn't to depress you -- it's to show you the relationship between your savings rate and your timeline. Small changes in how much you keep compound into dramatic differences in when you're free.
As accurate as any projection based on today's numbers. We use conservative assumptions (5% real return, monthly compounding) and only count what you actually have and save right now. We don't factor in Social Security, inheritance, real estate equity, or future raises. That means your real date is likely earlier than what we show.
- Because that's all the math needs. Your savings rate -- the gap between what you earn and what you spend -- is the single variable that determines how long until you're financially free. More inputs don't make the answer better. They make the tool harder to use.
V1 doesn't include them. That's intentional. We model the conservative case: your current savings and spending, invested in broad market index funds. Everything else -- Social Security, home equity, inheritance, future income growth -- is a bonus that accelerates your timeline. We'd rather give you a pessimistic date you can beat than an optimistic one that disappoints.
Deeper exploration. What-if scenarios: "What if I saved $200 more per month?" or "What if I got a windfall?" Multiple timeline projections. The core answer stays free forever. Premium is about agency -- actively exploring how to move your date closer. It's not live yet, but you can sign up for early access.
See when work becomes optional.
Three numbers. Honest math. Your financial freedom date. Get notified when the app launches.