Family Freedom Calculator

See how long your family could travel, what your Coast FI number is, and how much you may need before leaving.

Next Step

Now that you know your number, the next question is where your money will actually stretch the furthest.

What These Numbers Actually Mean

Traditional Financial Independence, or FI, means work becomes optional because your invested money may be able to pay for your life.

A simple way to estimate your FI number is:

Annual Spending × 25 = FI Number

So if your family spends $60,000 per year, your FI number would be about $1.5 million.

Coast FI means you may already have enough invested for future retirement, as long as you let that money keep growing over time.

Once you reach Coast FI, you may not need to keep aggressively adding money to retirement accounts. You still need income for your current life, but your future retirement may already be on track.

This is what changed everything for our family. Once we reached Coast FI, we started putting more money toward our Freedom Fund instead of only saving for traditional retirement.

Your Freedom Fund is your cash runway. It is the money that gives you the ability to leave, travel slowly, or change your life before normal retirement age.

Remote income can make that runway last much longer. If your family spends $4,000 per month while traveling and earns $1,500 per month remotely, your savings only need to cover the remaining $2,500.

In simple terms:

• FI = work is optional long term.
• Coast FI = retirement may already be on track.
• Freedom Fund = the cash that helps you leave sooner.

Broad U.S. stock market funds, like an S&P 500 or total U.S. market index fund, have historically grown over long periods. But the market goes up and down, and future returns are never guaranteed.

This calculator is for education only. It is not financial, investment, tax, or legal advice.