Financial Freedom Calculator
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Already know your goal? Track it with our software
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Phase 1 — How much will I need?
A —
Target annual passive income
B —
Tax applicable to income of A [%]
C —
Years to achieve it
D —
Expected annual inflation in your region [%]
Show inflation-adjusted target →
Inflation-adjusted annual income target
—
Now choose your investment vehicle.
For reference, a broad index fund (e.g. S&P 500) has historically returned around
6.5% per year
before expenses. Enter the expected annual return and the fund's annual fee below.
Your investment vehicle
E —
Annual profits from investment [%]
F —
Annual maintenance fee [%]
Calculate asset value needed →
Asset value needed
—
Now let's see how to get there →
Phase 2 — How do I get there?
Your current savings / starting balance
How much you already have saved or invested today
Monthly amount you plan to invest
How much you can consistently put away each month
Calculate required return →
You need an annual return of
—
Own Contributions
—
Total capital you invest over the period
Investment Gains
—
Returns generated by compound growth
After capital gains tax
Tax rate on your investment gains [%]
Tax you will pay on the gains when you withdraw
Recompute with tax →
Required annual return (after tax)
—
Gross portfolio target
—
What you must accumulate before paying gains tax
Own Contributions
—
Total capital you invest over the period
Pre-tax gains
—
Returns generated by compound growth before tax
Net gains after tax
—
What you keep after paying capital gains tax
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