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It is the amount of invested wealth at which the returns on it are intended to cover your lifestyle, without you working. It is also called the FIRE number.

In the simplified illustration on this page, your current monthly spend is inflated to your target freedom age, then the future annual spend is divided by a 3% withdrawal rate. The calculator itself uses a fuller model with your own inputs, so treat the result as an estimate, not a fixed figure.

It depends heavily on your age and your assumptions. In the illustration on this page, a 30-year-old spending USD 7,000 a month and aiming for freedom at 50 reaches roughly USD 9 million. Someone starting later, with fewer years for costs to rise, would reach a lower figure. Your own number comes from your inputs.

Inflation compounds over decades. Spending in your fifties can be far higher than it is today, so it is easy to underestimate what your future lifestyle will cost.

Yes, it is free to use, with no payment. You answer a few short questions about your spending, savings and timeline, which takes a few minutes. To open your full report, you sign in with your email.

USD and INR. Lifestyle inflation is 6% a year before freedom and 4% after in USD, and 9% and 7% in INR.

Official inflation tracks a fixed basket of goods. Lifestyle inflation tracks what your household actually spends on, like rent, tolls, parking and school fees, plus the way your lifestyle upgrades as you earn more. For long-term planning we use the higher lifestyle figure so your number is not understated. You can change it in the calculator.