Freedom Number Calculator

Find the portfolio target that covers your ideal spending using a safe withdrawal rate.

Spendings

Housing

Food

Transportation

Entertainment

Assumptions

Withdrawal rate

You need

$930,000.00

25x your $37,200.00 annual spending at a 4% withdrawal rate.

$3,100.00

a month

Housing65%$2,000.00

Food16%$500.00

Transportation13%$400.00

Entertainment6%$200.00

Monthly Spend: $3,100.00
Annual Spend: $37,200.00
Withdrawal Rate: 4%
Portfolio Rule: 25x annual spend

Historical success rate

95%

Based on the Trinity study: US historical rolling 30-year periods with inflation-adjusted withdrawals and a blended stock/bond portfolio.

The percentage is the share of those past periods where a portfolio would not have run out at your withdrawal rate. This is not a personal forecast and does not reflect your current savings, asset mix, or taxes.