Your best and most healthy years have an expiry date.

Forty+ years on the hamster wheel. Then what?

Retire while your knees still work, while you still have the health to enjoy life — and while your kids still want to spend time with you. Most people wait until sixty-five. By then, the body’s done and the bucket list is still a list.

Step off the hamster wheel →
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Hamster on a wheel — the 9-to-5 metaphor
See how to step off
• For anyone looking to escape the Rat Race and get off the Hamster Wheel

How much money do you actually need to never work again?

Your exact number. Your exact timeline. The strategy that could cut the number and the timeline in half. No fluff, just the maths.

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2 Minutes
To calculate your Freedom Number
Any Currency
Works wherever you are
The Maths Don't Lie
Just enter your number
"The exact point at which money stops being the reason you do anything."

Once your portfolio crosses your Freedom Number, every decision you make is made freely. You work because you want to, not because you have to. You stay in a city because you love it, not because your job is there. You take the lower-paying role, start the business, move abroad, or do nothing at all — and the choice is genuinely yours. That's not a vague aspiration. It's a calculation. And once you know yours, you can't un-know it.

The Maths
Freedom Number = Annual Expenses × 25

Based on the Trinity Study's 4% safe withdrawal rate — the rule that a diversified portfolio can sustain a 4% annual withdrawal indefinitely. Works in any currency, in any country.

The Reality

You're aiming at a target you can't see

"Most people in Sydney, London, Toronto, New York, and Auckland will work for 40+ years and never once calculate how much they actually need to stop."

They follow the default path: work until 65, hope super or a pension covers it, and spend decades trading time for money in cities that extract most of it in rent, tax, and lifestyle inflation.

The Freedom Number changes that. It converts a vague aspiration into a concrete target with a measurable timeline. Once you know the number, every financial decision becomes clearer.

Your savings rate determines your timeline more than your income does.

Savings RateYears to Financial Independence
10%51 years
20%37 years
30%28 years
40%22 years
50%17 years
65%10 years

Assumes 7% annual return, starting from zero, 4% withdrawal rate. The default super or 401(k) contribution puts most people on the 51-year track.

The Shortcut

The strategy that could cut your number in half

Geo-arbitrage: earn in a strong currency, live where it buys dramatically more. Your Freedom Number isn't fixed — it's entirely determined by your expenses. Change the postcode, change the number.

Australia
Sydney, Australia
$2,625,000
AUD — Freedom Number
↑ Your starting point
Portugal
Lisbon, Portugal
$1,300,000
AUD equivalent
Cuts your target by $1,325,000
Financially Independent in ~14 years
Thailand
Chiang Mai, Thailand
$690,000
AUD equivalent
Cuts your target by $1,935,000
Financially Independent in ~7 years
United Kingdom
London, United Kingdom
£2,125,000
GBP — Freedom Number
↑ Your starting point
Georgia
Tbilisi, Georgia
£450,000
GBP equivalent
Cuts your target by £1,675,000
Financially Independent in ~12 years
Vietnam
Da Nang, Vietnam
£540,000
GBP equivalent
Cuts your target by £1,585,000
Financially Independent in ~15 years

Based on average salary, earned remotely. 7% annual return assumed.

Compare all 13 destinations against your home city using the free Geo-Arbitrage Calculator →

Free Tools

Everything you need to run the numbers

No signup required. No paywall. Just the tools.

🔢

FIRE Calculator

Freedom Number, Coast FIRE, Barista FIRE, and your personal timeline — in any currency. Works for all 5 countries.

🌏

Geo-Arbitrage Comparison

Your home city vs. 13 destinations. See exactly how much a postcode change saves you — in your currency.

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Year-by-Year Projection

Watch your portfolio grow year by year and see the exact date it crosses your Freedom Number.

🗓️

5-Day Challenge

Five daily emails. Your Freedom Number, savings rate, timeline, geo-arb strategy, and action plan. Free.

The FIRE Library

A growing collection, built for your journey

Each book stands alone. Together they take you from calculating your number to walking out the door. Maths-first, no filler, instant PDF download.

The Freedom Number Starter Guide cover
Coming Soon
The Freedom Number Starter Guide
Your Freedom Number, savings rate, index investing blueprint, Coast FIRE, geo-arbitrage, and a 7-day action plan. The foundation everything else builds on. 23 pages.
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Coverage

Built for wherever you are

The maths works in any currency. Deep-dive coverage currently available for these countries, with more on the way.

Australia
United States
Canada
United Kingdom
New Zealand
From the Blog

No motivation. Just maths.

Every article includes the actual numbers, country-specific strategies, and one concrete action.

🔢
Foundations
What Is Your Freedom Number?

The one calculation that changes how you think about work, money, and time.
🌏
Geo-Arbitrage
How to Retire Early by Moving Abroad

Cutting your Freedom Number in half — legally, comfortably, and sooner than you think.
📈
Investing
Index Fund Investing for FIRE

The boring strategy that beats 90% of fund managers. Country-by-country breakdown.

The 5-Day Freedom Number Challenge

Five emails. Your exact Freedom Number, your timeline, and the strategy that could save you $500K–$2M. Free. No credit card.

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