Beginner tool · Tally

Your Freedom Number

“Financial freedom isn't about being rich — it's about your investments earning enough that work becomes a choice. Here's your number, and how close you are.”

— Tally

🔥 Your freedom number

€600.000

Invest this much and about €2,000/month could be yours — for life — without working. (The 4% rule: you need 25× your yearly spending.)

🏝️ Years to freedom

29 yrs

💎 Years to your first €1,000,000

36 yrs

Monthly income you'd want (without working)€2,000

Already invested€10,000

Invest each month€500

Average yearly growth7%

Long-run, a broad world index has averaged around 7% a year. Try others:

Tally: Your freedom number is just your yearly spending × 25 — because a portfolio can safely pay out about 4% a year. Two levers get you there fastest: how much you invest each month, and time. It isn't about a fancy lifestyle — it's about buying back your own time. Even a modest number, reached steadily, changes everything.

⚠️ Educational only — not financial advice. A simplified model: it grows your money at the yearly return you pick and applies the 4% rule (25× yearly spending) as a rough guideline, not a guarantee. Figures are in today's euros before tax and inflation adjustments; real returns vary and can be negative. Talk to a licensed advisor before making plans.