The 4% Rule
Freedom Calculator
Find out when you can be free. The 4% rule says you can withdraw 4% of your capital per year without running out. That means you need to save roughly 25× your annual expenses to live off the returns.
800+ people have already calculated their path to freedom
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The default is 4%. Lower to 3% for a more conservative estimate, or raise to 5–6% if you have other income or are willing to take on more risk.
Enter your details and press Calculate to see your result
We'll work out your target capital, freedom score, and how long it takes to reach financial freedom.
Results are a simplified estimate and not financial advice.