FreedomAtlas Framework
Plot the four levels of freedom — Security, Stability, Independence, Abundance — and see exactly how many years stand between you and each one.
Use real averages, not aspirational ones. We'll do the rest.
Brokerage, 401(k), IRA, index funds — not your emergency cash.
6 months of expenses
A liquid safety net so an emergency never becomes a crisis. Half a year of expenses in cash + invested reserves.
1× annual expenses invested
Enough invested to weather a full year without income. Compounding starts to outpace contributions.
25× annual expenses
Your FI number. At a 4% safe withdrawal rate, your portfolio funds your life indefinitely. Work becomes optional.
33× annual expenses
A generous margin above FI — room for lifestyle inflation, generosity, sequence-of-returns risk, and legacy.
Tweak your contribution, return, or expenses and see every version side-by-side. Free users get one live scenario.
Projected portfolio balance at 7% expected annual return.
Contributions, market growth, and end-of-year balance at 7%.
| Year | Contributions | Growth | Balance |
|---|---|---|---|
| Year 1 | $12,000 | +$2,200 | $39,200 |
| Year 2 | $12,000 | +$3,226 | $54,426 |
| Year 3 | $12,000 | +$4,327 | $70,753 |
| Year 4 | $12,000 | +$5,508 | $88,261 |
| Year 5 | $12,000 | +$6,773 | $107,034 |
| Year 6 | $12,000 | +$8,130 | $127,164 |
| Year 7 | $12,000 | +$9,585 | $148,749 |
| Year 8 | $12,000 | +$11,145 | $171,894 |
See every year through age 65
Full year-by-year projection with contributions, growth, and balance — plus CSV export.
Unlock full breakdownA personalized, printable report with your FI number, level-by-level milestones, and next actions — yours to keep.
Unlock with Premium →Log your real portfolio each month and watch your four levels fill in. See momentum, not just math.
Unlock with Premium →One short email a week with the exact next step for your level — no fluff, unsubscribe anytime.
How the framework works
Six months of expenses in cash + reserves means a job loss or medical bill never derails the plan. This is the foundation — don't skip it.
One year of expenses invested. Compounding now earns more than you contribute in a good year. You stop being one paycheck away.
Your FI number. At a safe withdrawal rate, the portfolio funds your lifestyle indefinitely. Work becomes a choice, not an obligation.
A buffer above FI for lifestyle inflation, sequence-of-returns risk, generosity, and legacy. The destination most people actually want.