How much is enough? Not a guess. Not a feeling. A number. Calculate the amount you need for safety, for transition, and for full financial independence.
By using this calculator you acknowledge it is an educational tool, not financial advice. Full terms & disclaimer →
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The Enough Number™ Calculator uses three milestones to map your path to financial independence.
Safety Net Fund — 6 months of expenses in accessible savings. Enough to handle any emergency without debt or dependence on anyone else.
Transition Fund — 24 months of expenses saved. Enough to leave a job, a relationship, or a situation entirely on your own terms.
Freedom Fund — 25× your annual expenses, invested in assets that generate returns. This is your Enough Number. Based on the 4% safe withdrawal rate — the principle that a diversified investment portfolio can sustain annual withdrawals of roughly 4% indefinitely. This means your Enough Number isn't a savings target sitting in a bank account; it's an invested portfolio generating enough passive income to cover your life without needing to work.
The calculator estimates how long it will take to reach each milestone based on your current savings, monthly contributions, and an assumed annual rate of return on investments. These are simplified projections, not guarantees.
This calculator uses simplified assumptions including a fixed rate of return, consistent savings, and no adjustment for inflation or taxes. Actual results will vary based on market conditions, investment choices, fees, inflation, tax treatment, and individual circumstances. This tool is for educational purposes only and does not constitute financial, investment, tax, or legal advice. Past performance does not guarantee future results. Consult a qualified financial advisor before making financial decisions.
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