Time + Money
Control your money.
Control your time.
Import your Chase and Discover statements, see exactly where the money goes, and know your earn rate, burn rate, and runway. Cut costs, kill debt, grow revenue — all in one place, private to your browser.
Your statements
Import a CSV from your bank, or from the convert.pypipeline. Everything is stored only in this browser. Chase and Discover, spending, budget, earn & burn — all in one place.
AI spend coach
It reads every statement you have imported at once and ranks what to minimize by dollar impact — tied to your real burn rate. Only your spending summary (categories and amounts, no account numbers) is sent to the AI.
Import statements in the section above first.
Years left
52
624 months
Freedom number (liquid)
$1,248,000
savings needed to coast
Freedom number (invested)
$600,000
using the 4% rule
Your Milestones
Track your progress through the baby steps. Click to mark where you are.
Biweekly Snapshot
Take a snapshot of your finances every two weeks. Track the trend.
Monthly surplus: $0
Net worth: $0
Frequently asked questions
Straight answers about your financial freedom number.
What is a financial freedom number?+
Your financial freedom number is the amount of money that makes work optional. This calculator gives you two versions: a liquid number, which is your monthly burn rate times the months you have left, and an invested number based on the 4% rule.
How much money do I need to never work again?+
It depends on your spending, not your income. If you spend $2,000 a month, the 4% rule says you need about $600,000 invested, and the die with zero approach needs your monthly burn times the months remaining in your life. Plug your own burn rate into the calculator above to get your real number.
How is my freedom number calculated?+
The liquid number multiplies your monthly burn rate by the months between your age and estimated lifespan, so the money runs out exactly when you do. The invested number divides your annual spending by 4%, the classic safe withdrawal rate. All of the math runs in your browser.
What is a die with zero calculator?+
It calculates how much money you need to cover your spending until your estimated lifespan, ending at zero instead of preserving a nest egg forever. That is the liquid freedom number shown above. The idea comes from Bill Perkins' book Die With Zero.
Is this calculator free?+
Yes. The calculator is free while in beta, with no account required, and your data stays in your browser. A $19 founding lifetime license locks in access to everything the product becomes.
Is this the same as a retirement calculator?+
Close, but simpler. Most retirement calculators aim you at age 65 and a nest egg you never touch, while this one shows how much money you need to retire on your own timeline, whether that means coasting on savings or living off the 4% rule.
All data lives in your browser (localStorage) — nothing is uploaded except statements you send to the optional AI analysis. Not financial advice.
Built by Adam Pangelinan · adampang.com