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Financial Freedom Calculator

Determine your financial freedom score based on assets and Safe Withdrawal Rates.

Updated on July 2026
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Calculator Inputs

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Financial Disclaimer

Information provided on WealthMaze is for educational purposes only. All return calculations are estimates based on user inputs. Not financial advice.

Calculation Output & Analysis

Annual Passive Income
$480K
Monthly Passive Income
$40K
Financial Freedom Score
80.00%

Visualizing Your Growth

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Steps to Achieving Financial Freedom

Our Financial Freedom Calculator estimates when you can stop working. Financial freedom means having enough passive income (from investments, real estate dividends, or retirement funds) to pay all your living expenses without being actively employed. A Financial Freedom Score of 100% indicates that your investment assets yield enough money under a Safe Withdrawal Rate (like 4%) to sustain your lifestyle indefinitely.

Frequently Asked Questions (FAQ)

What is a Safe Withdrawal Rate (SWR)?

SWR is the conservative percentage of your total investment portfolio that you can withdraw annually without running out of money. The industry standard SWR is 3% to 4%, depending on your local inflation rate and asset allocation.

How do I determine my financial freedom score?

Enter your total financial assets, monthly living expenses, and expected safe withdrawal rate to check if your passive income covers expenses. A score of 100% or more means you are financially free.

Live Annual Passive Income$480K