When does work become a choice?
See the corpus your current lifestyle may require, how far you have already come, and the age at which work could become more of a choice.
Put a number to choice.
The Freedom Number uses a simple 4% annual withdrawal framework — roughly 300× your current monthly lifestyle expense.
The 12% return and 6% inflation figures are only starting assumptions. Change them to see how the result moves.
Your path to financial choice.
Portfolio growth vs your Freedom Number.
The solid line shows the portfolio projection using your inputs. The dashed line shows the Freedom Number rising with lifestyle inflation.
How the gap changes over time.
Each bar shows the projected portfolio as a percentage of the Freedom Number at that future point.
Illustrative planning tool only. The 4% withdrawal framework is a rule of thumb, not a guarantee. Market returns are not assured, and taxes, healthcare, longevity, asset allocation and sequence-of-returns risk can materially change the outcome.
