FreeBy

FreeBy - Your Financial Freedom Calculator

Finally know your number!
Most of us spend our entire lives without knowing the most important financial figure: how much we need to be financially free. FreeBy changes that with a straightforward, honest calculation that cuts through the noise.

What You Get:
- Your personal financial freedom number based on the proven FIRE methodology
- Progress tracking toward your freedom age
- Portfolio management across mutual funds, stocks, and gold with individual growth rates
- Emergency fund planning and transaction tracking
- Monte Carlo simulations realistic projections
- Adjustable withdrawal rates (3-6%) to match your risk tolerance

The Reality Check You Need:
This isn't a crystal ball. It's a rough, honest approximation that's infinitely better than flying blind. Enter your current investments, monthly expenses, and investment goals, and see exactly where you stand.

True Monthly Compounding:
Your portfolio grows with genuine monthly compounding, not simplified annual calculations. SIP investments get added monthly to mutual funds, with optional annual increases that automatically give your future self a raise.

Built for Real Life:
Separate inflation rates for living expenses and health insurance. Tax-aware withdrawal calculations. Sustainability projections that tell you how long your money will actually last. No sugar-coating, just math.

Privacy First:
All your financial data stays on your device. No accounts, no cloud sync, no tracking. Your money, your business.

Whether you discover you're closer than you thought or realize you need to get serious about the real calculations, you'll finally have your baseline. And that's infinitely more than most people ever get.

Note: This app provides estimates for educational purposes. Consult a financial advisor for comprehensive planning.