Personal Freedom

Personal Freedom is a financial planning simulator built to help you explore one important question: What would your life cost if you chose a different path?

Enter your current finances, model a potential career change, and compare the tradeoffs between staying on your current path and making a change.

Use Personal Freedom to:

• Estimate when your portfolio could reach a financial-freedom benchmark
• Compare current and post-career-change income, spending, and contributions
• Explore 3,000 modeled market paths to understand uncertainty
• Test retirement-horizon funding through age 99
• Model Social Security alongside portfolio withdrawals
• Change assumptions for investment returns, inflation, and market volatility
• Save and compare multiple scenarios
• Revisit your plans as your circumstances change

Your financial inputs are stored locally on your device, and no account is required.

The core simulator is free to use. An optional one-time Lifetime purchase unlocks advanced planning tools.

Personal Freedom is designed for thinking, not predicting. Results are based on the assumptions you enter and are not forecasts or guarantees. This app is an educational planning tool and does not provide individualized investment, tax, legal, or financial advice.