Financial independence, minus the jargon
How much is enough to say FU?
Punch in what you spend. We'll show you the number that buys your freedom — and how fast you can get there.
Your numbers
Your total annual living costs once you're free.
The share of your portfolio you withdraw each year. 4% is the classic rule (= 25× spending).
Advanced — add savings, income & a timeline
We use income minus spending as your yearly contribution.
After inflation.
Fill these two and they replace the spending figure above.
Months of expenses added on top. Many recommend 6–12.
Your FU number
How the math works
FU number = annual spending ÷ withdrawal rate. At 4% that's 25× your yearly spending — the level where investment returns can cover your costs indefinitely. The timeline projects your current savings plus contributions at your chosen real (after-inflation) return. Estimates only — not financial advice.
The toolbox
More than one number
Each tool tackles a different question on the road to FU money. All free, all private.
FU Number
The core calculation: how big your portfolio needs to be to never have to work again.
Savings Rate & Timeline
How your savings rate sets the number of years until financial independence.
Freedom Runway
See how long your current savings can fund your freedom before they run out.
Coast FIRE
The point where you can stop contributing and let your investments coast to FI.
Barista / Part-time FIRE
How much smaller your number gets if light work covers part of your expenses.
FU Money Goal Tracker
A printable one-page worksheet to set your number and track your progress.
Compound Growth
Watch savings snowball — and see what one more year of investing adds.
Lean / Regular / Fat FU
Compare three FU numbers at once for three different lifestyles.
Inflation Adjuster
What today's money — or your FU number — will really cost in the future.
Cost of a Habit
Turn a daily coffee into its real drag on your FU number.