Rebel Finance School

The Freedom Calculator

See how much freedom you have already built, what your Freedom Fund could cover at the age you choose, and when full Financial Freedom could become possible.

Your numbers

Use one consistent currency. Open the sections you want to edit, then jump straight to your results.

Your Freedom Fund today
40
100,000
1,000
The life you want
60
4.0%
25,000
15,000
Total desired annual spending40,000
Later income
State or government pensionAnnual income and the age it begins. Do not include a capital value in your Freedom Fund.
Defined benefit or final-salary pensionEnter the promised annual income, not a capitalised value.
Rental profit or other ongoing incomeEnter annual profit after costs. Add an end age only if this income will stop.
Part-time or side-hustle incomeCounted only between the start and end ages entered.
Adjust assumptions
Investment growth before inflationA straight-line planning assumption. Actual returns will vary significantly.
InflationAll outputs are shown in today’s money.
Annual feesEnter fees not already reflected in the growth figure. Avoid deducting the same charge twice.
Calculated real investment growth
After inflation and fees7.1%

Look how much freedom you have already built

0 a year

What could freedom look like?

Essentials
Choices & fun
Freedom Fund: Other income: Remaining gap:

Your Freedom Path

25%
Of spending covered--
50%
Of spending covered--
75%
Of spending covered--
100%
FREE
Full Financial Freedom--

Your Full Financial Freedom Fund

0 built0 target

0 still to build

This is the Freedom Fund the model estimates you would need today to support the full lifestyle entered, allowing for income that begins later. Later pensions and other permanent income can reduce the amount required today.

Compare withdrawal-rate assumptions

A higher rate produces a lower target, but leaves less margin and requires more flexibility.

Withdrawal-rate assumptionFull Financial Freedom Fund targetFull Financial Freedom age
See how your Freedom Fund grows
Projected Freedom FundFreedom Fund you need
What changes could you make?

These examples show how each change could affect your projected full Financial Freedom age.

Want to go deeper?
Build your detailed bridge →Check whether enough money sits in accessible accounts before pensions unlock.Forecast your financial future →Model changing work, accounts, lump sums and detailed scenarios.
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