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Your Freedom Number: The Day You Can Walk Away

When my paycheck left me $86.72 a week, I decided I'd retire at 45 anyway. Four numbers told me exactly what it would take. Enter yours — the math takes 30 seconds.

Free calculator · Updated for 2026

Enter your 4 numbers

$
401(k), IRA, brokerage — everything that's invested. $0 is a fine answer; that's where I started.
$
What you can automate today. My first number was $50.
$
The paycheck your portfolio has to write — before Social Security.

Please fill in all 4 numbers (your monthly investing can be 0, but not forever — that's the whole point).

Your Freedom Number

$1,200,000

The portfolio that writes you $4,000 a month for life — using the 4% rule, without touching your Social Security.

2043
Your freedom year
Age 58
The day you walk
$4,000/mo
Your forever paycheck

Lock in your plan

I'll send you The $86.72 Method — the one-page framework I followed from $86.72 a week to retired at 45 — plus the weekly strategies to hit the number you just saw.

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Found me on Instagram or TikTok? Comment FREEDOM on any of my videos and I'll DM you this calculator and the one-pager — @thelisaasmith.
Go deeper: the full walkthrough of this math is in Your Freedom Number: Calculate Exactly When You Can Retire, and the withdrawal side lives in The Withdrawal-Rate Table.

Disclaimer: This calculator is for educational purposes only and does not constitute investment, tax, legal, or financial advice. Results are illustrative planning estimates built on simplified assumptions — a roughly 7% long-run average annual return and a 4% (or 5% guardrail) withdrawal rate — not projections or guarantees. Markets are lumpy, inflation is real, and personal circumstances differ. Pressure-test any retirement date with a qualified, fee-only financial planner.