Freedom Timeline Simulator

See how life decisions change your financial independence timeline.

Freedom Age

Freedom in 19 years

Supports approximately $90K/year in retirement

Freedom Score7%

$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.

Investment balance vs FI target · milestones by age

0.8 FTECoast FIREFreedom Age

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

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

Export a summary to share in physician communities

My Freedom Timeline · Current age: 35

Freedom Age

Portfolio at Age 60

$6.2M

Toggle decisions below to see your results.

7% return · 4% SWR · 2.5% inflation · 30-yr horizon