What's your Freedom Age?

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

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Freedom Age

49

Freedom in 14 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 37

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.

Tradeoff engine

What moves your Freedom Age

Small changes, translated into years. Computed live from your numbers — change any input and watch these update.

Max out 401(k)

2 years earlier

Freedom Age 49 → 47

Invest $500 more each month

1 year earlier

Freedom Age 49 → 48

Trim spending by $400/mo

1 year earlier

Freedom Age 49 → 48

Upgrade lifestyle by $600/mo

1 year later

Freedom Age 49 → 50 — for $600/mo more life now

Ranked by impact. Levers that don't move your timeline are hidden automatically. Tapping Apply sets the input — your chart, milestones, and Freedom Age update instantly.

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

31% to FI

Age 49

$2.4M

Freedom Age 🔥

Age 65

$10.2M

Fully Independent

Share Your Timeline

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Freedom Timeline

Freedom Age: 49

Add decisions below to see your impact.

Portfolio at 60: $6.8M

See what your decisions cost you → freedomtimeline.org