Free online tool
Financial Freedom Calculator
Calculate an approximate target portfolio from monthly expenses and a withdrawal rate defined by you.
What this tool does
This calculator uses a simple idea: how much portfolio could be needed to cover monthly expenses using an annual withdrawal rate. It then estimates how long it may take to reach that target with contributions and expected return.
It does not replace financial planning. Withdrawal rate, return, inflation, taxes and risk vary widely, so use the numbers as an educational starting point only.
How to use
- Enter desired monthly expenses.
- Choose an annual withdrawal rate.
- Add current portfolio, contribution and expected return.
Common uses
- estimate retirement target
- test withdrawal rate
- compare contributions
- visualize financial independence timeline
Privacy and local processing
The calculation is local and does not send financial data to Texteme.