The number where work becomes optional. Your yearly spending times 25, and how long until you get there.

Your Numbers
Monthly Spending (in retirement)
Already Invested
Investing Per Month
Expected Annual Growth
Your Age
Your Results
Your freedom number
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Years to get there
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Free at age
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Progress today
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It pays you, per month, forever
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Times 25 is the 4% rule flipped on its head. A pot of 25 times your yearly spending can pay you 4% a year without running dry. That is the whole game.

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How this is calculated
Freedom number is monthly spending times 12, times 25 (the 4% safe withdrawal rate, inverted). The years-to-freedom figure compounds your current investments and monthly contributions at the growth rate you chose until the pot reaches the target. Inflation, tax and fees are not modelled here, they are exactly the kind of thing a real plan deals with.

This calculator is for information only and is not financial advice. Figures are estimates based on what you enter. Tax rules change, check revenue.ie for the latest. Talk to a qualified financial adviser before making big money decisions.

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Freedom Number Calculator