financial freedom.Private by design

A LITTLE CLARITY FOR YOUR FUTURE

What does freedom
look like for you?

A simple starting point for a life on your terms.
Put a number to the everyday, and leave room for the unexpected.

Start with your life

Use one currency throughout. Changing it only changes the label.

/ month

Your everyday budget, excluding the separate reserves below.

Optional. Enter the remaining upbringing cost per child, or leave the child fields blank to skip.

Optional. A separate buffer for future medical needs.

Optional. Remaining home costs, a car, or other large one-off purchases.

Savings and investments available for this goal, after debts.

Example inputs · edit to make it yours

YOUR FINANCIAL FREEDOM NUMBER

SGD1,450,000

One number. A clearer direction.

How it adds up

480X + K × n + M + H
Living expenses 12 × monthly budget ÷ 2.5%
1,200,000
Children 150,000 × 1
150,000
Healthcare
100,000
Major expenses
0

Your starting point

0% set aside
Still to set aside1,450,000

Every step counts. Start where you are.

A planning estimate, in today’s money.

BEHIND THE NUMBER

Simple by intention.

Your annual living expenses are divided by an assumed 2.5% annual withdrawal rate: 12 × monthly expenses ÷ 2.5% = 480 × monthly expenses. The formula then adds the remaining cost of raising children, a healthcare reserve, and major expenses. The amount you’ve already set aside reduces the gap, not the target.

The 480 multiplier comes from the assumed rate, not a fixed 40-year spending period. This simplified estimate does not model inflation, investment returns, taxes, pensions, or changes in spending, and does not guarantee how long your money will last. Avoid counting the same cost in more than one field. Example amounts are placeholders, not recommendations. This tool is for general planning, not financial advice.