The Time-Freedom Matrix

Ok so tbh everyone says they want to be a millionaire but that's actually cap. Nobody wants a million dollars in a bank account, they literally just want the freedom to wake up and do whatever they want without some boss telling them what to do. That's what time freedom is. It's basically when your passive income makes more money than your living expenses, so you literally never have to work a job again unless you actually want to. It's the whole point of the FIRE movement ngl.

I built this calculator because people are so bad at figuring out when they can actually quit their jobs. Like bro, if you spend ten thousand dollars a month on rent and cars and eating out, you are going to be fiat mining in a cubicle until you are like eighty years old. But if you literally just move to a cheaper city and lower your expenses, you could probably retire in like five years. Your savings rate is literally the only thing that matters, but everyone is too busy trying to look rich instead of actually being rich.

This matrix calculates your exact escape velocity. You plug in your portfolio size, your monthly expenses, and your average return, and it mathematically tells you exactly how many years, months, and days you have left until you are totally free. It's tbh the most motivating thing ever because it shows you that quitting your job is actually a math equation, not a lottery ticket.

The Escape Velocity Math

We use the 4 percent rule, which basically says you can safely withdraw 4 percent of your portfolio every year forever without running out of money.