Future home costs by metro.
Open source-backed home-cost examples and the future home hub as educational context, at these assumptions.
STEP 1 — THE FUTURE YOU WANT
What are you trying to afford?
Start with a goal, or see how an example works.
Your inputs stay in this browser.
We price Freedom like the market itself: a work-optional future is funded by investments, so its cost grows at the S&P 500's total-return rate — one of the fastest-growing rates in the model over the last 10 years. See methodology.
Optional. Use a zip or metro when location drives the cost.
This costs about
today. I want it in
years.
STEP 2 — YOUR CURRENT TRAJECTORY
What do you have working toward it?
Ready to see your gap? Add assets and monthly contributions. Asset and contribution amounts stay in this browser unless you choose to save a result.
Include the assets you would realistically use to reach this goal. Round numbers are fine.
Calculated in your browser; shared only if you choose to save or email a result.
Optional. Included in your projected resources here and in the Simulator.
Custom allocation
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 over the latest source window
- Real estate: assumed 6.5% — Case-Shiller over the latest source window
- Other: assumed 6.0% — configurable blended default
Add total assets to calculate your result.
Enter total assets to calculate Aspire Rate and Aspire Gap at these assumptions.
GOAL COVERAGE
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AT THESE ASSUMPTIONS
Example: $500,000 home, 10 years, $100,000 assets, $1,500/month, Balanced mix. At these assumptions.
Rates and calculation details
All modeled values below are at these assumptions.
Aspire Rate
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Today's Goal
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Future Cost
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Wealth trajectory CAGR
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Aspire Gap
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WHAT'S DRIVING IT
Email a return link
The Simulator opens after the calculator has a real result to carry forward.