What's your Freedom Age?

See how your biggest financial decisions cost or buy you years of freedom.

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Freedom Age

54

Freedom in 19 years

Supports approximately $90K/year in retirement

Freedom Progress7%
$150K today$2.3M FI targetⓘFI target = annual spending × FI multiple$90K × 25 = $2.3MAdjust FI multiple in Model Assumptions.
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Freedom Momentum

This year's saving moved Freedom Age 12 months earlier

Try changing a life decision below to see how it moves your Freedom Age.

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Coast FIRE

Age 38

Can stop saving

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Work Freedomⓘ

Age 52

Can go part-time

Age when your portfolio passively covers 40% of income — you could reduce to ~0.6 FTE while staying on track.

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Portfolioⓘ

$150K

Invested today

Invested assets used to calculate financial independence. Home equity and other illiquid assets are excluded.

Your Life Timeline

FI Target (25× annual spending)
Your Investment Path
0.8 FTE Work OptionalCoast FIREFinancial Independence

No decisions selected — toggle decisions below to see how life choices reshape your timeline.

Your projected investment growth compared with the amount needed for financial independence. Milestones show when different levels of work flexibility may become possible.

Freedom Roadmap

Projected portfolio at key ages based on your current path

Age 40

$703K

28% to FI

Age 54

$3.7M

Freedom Age 🔥

Age 65

$9.2M

Fully Independent

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Freedom Timeline

Freedom Age: 54

Add decisions below to see your impact.

Portfolio at 60: $6.2M

See what your decisions cost you → freedomtimeline.org