FinCalc Suite
Financial Freedom Number Calculator
Discover your FIRE number — the portfolio size that sustains your post-work life. Start with the quick 25× rule, then refine with expenses, income, and tax strategy.
Uses the classic 4% safe withdrawal rate (25× multiplier). Switch to Advanced to refine.
The portfolio you need to sustain $60,000/yr in freedom
Based on a 4.0% safe withdrawal rate (25.0× your net spending)
Years to reach your number
25 years (age 60)
How Your Number Is Built
You're on track for freedom!
At your target freedom age of 60, your projected portfolio is $1,526,477 versus your FIRE number of $1,500,000.
Projected surplus at target age
$26,477
Annual contribution needed to hit your number by age 60
$19,517
PACE: Your 10 Steps to Financial Freedom
Not just another budgeting app — your complete framework for building lasting wealth.
PACE is a powerful, guided 10-Step Program built to help you move beyond monthly budgeting and start building good financial habits, increasing your net worth through smart management and investment awareness.
Phase 1
Foundation & Control
- 📊 Know Your Numbers
Categorize your spending to clearly see where your money goes. - ✂️ Trim the Fat
Cut unnecessary spending by 10–30% on subscriptions, dining, and transport. - 🤖 Pay Myself First
Automate transfers to savings and investment accounts before you spend.
Phase 2
Power Up & Protect
- 💳 Conquer Debt
See how extra payments can drastically reduce repayment time and save thousands. - 🛡️ Build Emergency Fund
Start with $1,000, then hit milestones for 3, 6, and 12 months of expenses. - 💰 Level Up Income
Earn more through raises, side hustles, or new skills. Invest in yourself.
Phase 3
Strategy & Future
- 🎯 Define Savings Goals
Write down your goals — a statistically proven way to achieve them. - 🔍 Review Progress
Celebrate wins and see what's still in progress to keep momentum high. - 🚀 Plan Stretch Goals
Define big ambitions and break them into an actionable, measurable plan.