Financial Freedom Calculator
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NOTE: To make changes to the spreadsheet, please make a copy for yourself: File -> Make a Copy
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SpendingSavings
Financial Freedom Fund
Years to Financial Freedom
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5%6%7%8%9%
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Annual Income$100,00095%5%$2,375,00064.356.550.645.942.1
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Withdrawal Rate4%90%10%$2,250,00050.244.740.436.934.1
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Current Savings$085%15%$2,125,00041.937.634.231.529.2
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80%20%$2,000,00035.932.529.827.625.7
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75%25%$1,875,00031.228.526.324.422.8
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70%30%$1,750,00027.425.123.321.820.4
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65%35%$1,625,00024.122.220.719.418.3
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Note: To make changes, click File --> Make a Copy to create your own copy of the Financial Freedom Caclulator60%40%$1,500,00021.219.718.517.416.5
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55%45%$1,375,00018.617.416.415.514.7
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50%50%$1,250,00016.315.314.513.813.1
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45%55%$1,125,00014.113.412.712.211.6
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40%60%$1,000,00012.111.611.110.610.2
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Click here if you are unable to create your own copy of this spreadsheet35%65%$875,00010.39.99.59.28.9
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30%70%$750,0008.68.38.07.87.5
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25%75%$625,0007.06.86.66.46.2
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20%80%$500,0005.45.35.25.15.0
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15%85%$375,0004.03.93.93.83.7
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10%90%$250,0002.62.62.52.52.5
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5%95%$125,0001.31.31.31.31.2
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Have Fun With Your Own NumbersTools & Resources
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Annual Savings
$20,000Years to FF15.8Dough Roller NewsletterOur free weekly newsletter goes out every Saturday at 7 pm
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Annual Spending in Retirement$50,000The PodcastThe weekly podcast covers ways to make the most of your money. Podcast 165 covers this spreadsheet.
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Withdrawal Rate
4%Personal CapitalThis free financial dashboard tracks all your investments, spending and income.
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Return %10%How Much Should You Save?The article that explains the assumptions and inputs of the spreadsheet.
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Current Savings
$100,000VanguardFor my money, Vanguard is the best mutual fund company for investors seeking low cost index funds.
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BettermentAn automated investing service for those who don't want to spend the time picking and rebalancing investments.
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Financial Freedom