STEP 1 — THE FUTURE YOU WANT
What are you trying to afford?
Want to understand the output before using your numbers? Open a clearly labeled example.
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.
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 — 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 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.
Example only — not your result. Modeled at these assumptions.
Details
All modeled values below are at these assumptions.
The Simulator opens after the calculator has a real result to carry forward.