Freedom Clock: Plan Your Life

When could you become financially free?

Freedom Clock calculates your Freedom Date — the day work becomes optional.

See how saving more, spending differently, or even moving countries could change when you reach financial independence.

Freedom Clock helps you estimate when you could stop working by projecting a financial timeline based on your income, savings, spending, debts, dependents, and where you want to live.

In minutes, see your projected Freedom Date — then explore how different financial decisions might move that date closer.

Freedom Clock is a planning and modeling tool for educational purposes only. It does not provide financial, tax, legal, or investment advice.

HOW IT WORKS

Enter a few details and get your projected Freedom Date in minutes.

Then explore how different decisions might affect your timeline:

• Log financial wins
• Explore retiring abroad
• Stress test your plan
• Model life events
• Ask the AI Coach questions about your plan and test important decisions

Every change recalculates your Freedom Date so you can see the potential impact.

YOUR FINANCIAL PLAN

Build a complete picture across the key areas of your financial life:

• Income and career
• Savings and investments
• Housing and mortgage
• Loans
• Dependents
• Location with cost-of-living adjustments
• Investment allocation
• Market assumptions you can customize

EXPLORE 190+ COUNTRIES

Thinking about retiring abroad or achieving financial independence sooner?

Tap any country and see how it could affect your Freedom Date.

Each country includes estimates for:

• Cost of living
• Healthcare costs
• Taxes on retirement income

From Portugal to Thailand to Mexico — explore where your retirement timeline might change, and generate detailed reports on these countries so you can see if it's practical for you to move there.

AI COACH

Ask questions about your plan and explore how different scenarios could affect your timeline.

Examples:

• “What if I buy a car at 45?”
• “What if I pursue a Master's degree?”
• “What if I buy a house for $450k?”

The AI Coach analyzes your plan inputs and generates informational insights and modeled scenarios.

AI responses are educational only and not financial advice.

MONEY WINS

Every financial improvement counts.

Negotiated a price?
Got a raise?
Started a side hustle?

Log each win and see how many days it could move your Freedom Date closer.

STRESS TEST YOUR PLAN

Explore how your retirement plan might respond to hypothetical shocks:

• Market downturns
• Periods of unemployment
• Unexpected expenses

See how your Freedom Date could change under different scenarios.

LIFE EVENTS

Model major life changes such as:

• Children
• Elder care
• College tuition
• Home purchases
• Career changes

Schedule them at specific ages and see how they might affect your retirement timeline.

WHAT'S FREE

• Plan creation and limited editing
• Freedom Date projection
• Money wins logging
• Budget tracker
• One AI Coach deep decision test
• One life event test
• Country Explorer preview (2 countries)
• Goals tracking

WHAT'S PREMIUM

Everything in Free, plus:

• Advanced AI Coach with real-time web information and deep decision tests
• Monthly plan-based retire sooner insights
• Full Country Explorer (190+ countries) and country reports
• Stress tests
• Unlimited life events
• Unlimited plan edits & toggles
• Net worth projections
• Detailed financial & healthcare cost tables
• Scenario comparisons
• Exportable summary reports

Works in 160+ currencies and available in English, Spanish, and German.

Estimates only. Results depend on your inputs and assumptions about markets, inflation, and taxes. Actual outcomes may differ. AI can make mistakes. This is not financial, tax, or legal advice. Consult a qualified financial advisor before making decisions.

Freedom Clock is not a financial advisor and does not provide financial, tax, or investment advice.

Find your Freedom Date.
See when work becomes optional.