STEP 1 — THE FUTURE YOU WANT
What are you trying to afford?
Freedom uses S&P 500 Total Return as its cost vector — the cost growth of a future funded by broad market exposure. This is one of the highest trailing 10-year rates in the model. See methodology.
Optional. Use a zip or metro when location drives the cost.
STEP 2 — YOUR CURRENT TRAJECTORY
What do you have working toward it?
Include the assets you would realistically use to reach this goal. Round numbers are fine.
Calculated in your browser — we never see this number.
Optional. This helps the Simulator estimate how your trajectory changes if you keep adding.
Assumptions behind this estimate
- Cash & savings: assumed 4.0% — illustrative cash/HYSA assumption (FDIC national savings rate: 0.38%, Apr 2026)
- Stocks & index funds: assumed 13.1% — S&P 500 Total Return, trailing source window
- Real estate: assumed 6.5% — Case-Shiller, trailing source window
- Other: assumed 6.0% — configurable blended default
Enter total assets to calculate Aspire Rate and Aspire Gap. Zip is optional; blank uses the national average.
Enter annual income to translate this result into work hours.
Hourly income uses annual income divided by 2,080 work hours. Income is not included in share links or share cards.
Enter total assets to calculate Aspire Rate and Aspire Gap. Zip is optional; blank uses the national average.