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 FI is your Financial Independence number — the amount invested where work may become optional long term based on your projected spending.

Coast FI is the amount invested that may continue growing on its own toward retirement, even if you stop aggressively contributing today.

Your Freedom Fund / Cash Runway is different.

This is the actual cash runway that gives you the ability to leave now. It helps cover your monthly life or travel expenses while you transition into a different lifestyle.

For our family, reaching Coast FI changed how we thought about time.

Instead of continuing to maximize retirement contributions for a future traditional retirement, we redirected much of that money into building our Freedom Fund — the runway that allowed us to leave earlier, travel slowly as a family, and buy back time while our kids were still young.

Remote income can also dramatically extend your runway. Even modest income while abroad may reduce how much cash you actually need before leaving.

This calculator is intended for educational purposes only and should not be considered financial advice.