Financial Freedom Calculator
The 4% rule estimates retirement savings as annual spending × 25
Your freedom number
$619,015
Retire today with this much and hit zero at 85
Max monthly spend with current assets
$404 /mo
Retire today and hit exactly zero at 85
4% rule comparison：$750,000 · Annual spend × 25 — the conservative never-run-out version
Net worth curve (today's dollars)
On this plan you'd still have $693,988 at 85 — congrats, but maybe retire earlier or spend more.
Simulated with real returns (nominal minus inflation); excludes taxes and volatility. Not financial advice.