Hey there! I'm Keith, and I built this little financial freedom calculator because the world does an amazing job teaching us how to spend money, but somehow forgets to mention the whole "financial independence" thing. Most people wander through life without the faintest clue what their financial freedom number looks like – and that's wild, considering it's probably one of the most important numbers you'll ever need to know.

Key Features

• Simple & Honest Calculations - No fancy algorithms or overwhelming data points, just the essentials you need • FIRE Methodology - Built on proven 4% withdrawal rule with adjustable rates for your comfort level • Smart Portfolio Tracking - Handles mutual funds, stocks, and gold separately with true monthly compounding • Monte Carlo Analysis - Runs hundreds of simulations with real market volatility, not perfect-world scenarios • Inflation-Aware - Tracks living expenses and health insurance separately because medical inflation hits different • Tax-Smart Planning - Includes LTCG tax calculations so your numbers reflect reality • Emergency Fund Intelligence - Automatically shifts from 6-month to 12-month goals as you progress • Sustainability Testing - Stress-tests your portfolio with conservative models to ensure long-term viability

Why This App Exists

This calculator is intentionally basic – think of the number it gives you as your financial freedom floor, the bare minimum you'd need. You're now infinitely more informed than you were five minutes ago, and that's the point. Built with privacy, simplicity, and honest numbers as core values.

The goal isn't to spit out some crystal-ball prediction of your financial future – it's to give you a rough, honest approximation that's better than the complete darkness most of us are operating in.

Download Soon on the App Store

FreeBy will be available for download on the App Store soon. Get ready to discover your financial freedom number and take control of your financial future.

Support & Contact

Found a bug? Have feedback? I'm always down to make this more useful for everyone trying to figure out this whole money thing. Reach out if you'd like detailed information about the calculations or methodology.

Contact: [email protected]

Here's to your financial freedom journey! 🚀

Disclaimer

FreeBy provides reasonable estimates for planning purposes. Your actual results will vary based on market conditions, policy changes, and life's general unpredictability. This app gives you the starting point, not the finish line. Always consult with financial professionals for comprehensive planning.

Built by Keith Vaz – Indie designer, vibe coder, and financial freedom enthusiast.