Flagship tool
FU Number Calculator
Find the portfolio that buys your freedom — and how fast you can get there.
Your numbers
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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
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$
We use income minus spending as your yearly contribution.
After inflation.
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$
Fill these two and they replace the spending figure above.
Months of expenses added on top. Many recommend 6–12.
Your FU number
$0
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.