See how the decisions you make today could change your path to financial freedom.
Current Plan · calculating
Choose a decision
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Projection Assumptions
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Modeled monthly in today's dollars using the exact real return formula. Primary-home equity, Social Security, pensions, and speculative appreciation are excluded.
Saved Scenarios
Current PlanCalculating…
Impact on financial freedom
See what one decision changes.
Current Plan · age 36—
Scenario · age 36—
Estimated FI age—
FI number—
Annual investing—
Your Current Plan vs. This Scenario
MetricCurrentScenarioImpact
Why this changes your timeline
What Moves Your Timeline?
Your Freedom Planning Session
A plan around the life you actually want.
We’ll start with what matters, use the numbers Dollar FI already knows, and show what each decision could mean for your financial freedom.
About 5 minutes
Your Freedom Planning Session
Let's build a plan around the life you actually want.
I’ll ask a few questions about where you are today, what’s ahead, and what matters most. As we go, I’ll show you what each decision could mean for your financial freedom.
FIDollar FI
Your Household
Let's begin
Step 1 of 8 · Household
Who are we planning for?
Approximate answers are enough. You can refine them later.
Step 2 of 8 · Income
What supports your household?
Use gross income. Taxes remain a visible estimate, not tax advice.
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Step 3 of 8 · Financial Position
What do you have working for you?
Net worth and FI assets are intentionally separate.
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Snapshot
$410,000 net worth
$250,000 currently funds FI
Step 4 of 8 · Goals
What are you building toward?
Select everything that matters. There is no automatically “correct” priority.
Step 5 of 8 · Lifestyle
What should freedom make room for?
Travel is a goal—not an expense the plan silently removes.
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Step 6 of 8 · Home
How should a home fit with everything else?
We model cash required, ongoing ownership costs, and the change to investing—not merely loan approval.
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Step 7 of 8 · Family
What might the family years look like?
Childcare is modeled as temporary pressure, not permanent retirement spending.
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Step 8 of 8 · Reserves
How much cash helps you feel secure?
This reserve stays separate from investments funding financial independence.
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Your Freedom Plan
Your life and financial freedom can work together.
None of these is the “right” answer. They prioritize the life you described differently.
Your Living Household Forecast
One plan powers every event below. Change housing, family, travel, a sabbatical, or investing and the cash-flow phases and FI projection recalculate together.
One shared plan · Live
TodayEstimated FI
Edit life event
Everything is connected. Choose an event to see how it changes the household plan.
Plan Versions
Save a checkpoint before exploring a major decision. Restore any version without rebuilding the household plan.
Your Financial Seasons
Financial life changes. Your plan should change with it.
Decisions That Matter Most
The largest modeled tradeoffs—not judgments about what matters to you.
Cash-Flow Roadmap
Phase-based estimates in today's dollars.
Look how much we figured out.
The plan is yours whether or not you speak with an advisor.
✓ Your estimated FI timeline✓ How housing changes it✓ Your highest-cost family years✓ The lifestyle you want to protect✓ Your acceleration years✓ Three ways the goals can coexist
Planning Readiness
Strong Foundation once these modeled areas reflect your real life.
✓ Cash flow✓ FI target✓ Home goal✓ Family costs✓ Lifestyle priorities✓ Emergency reserves
Worth Reviewing With a Planner
These are judgment areas, not diagnosed problems.
Where judgment begins
The numbers are mapped out. These decisions deserve a second set of eyes.
Your planner will already know
Your household picture, goals, preferred path, tradeoffs, milestones, and unresolved questions travel with the plan. Your session can start with the decisions—not with gathering numbers.
Educational estimates only. This calculator is not legal, tax, investment, real estate, accounting, or financial advice. Verify assumptions with qualified professionals before making decisions.