Calculator · Financial Freedom
When will you be financially free?
Exact date based on your numbers. See how exempt market accelerates freedom by years.
Quick start — pick a scenario:
Saving monthly
$2,500
Savings rate
36%
How much you need for freedom
Safe (3.5% withdrawal)
$1,542,857
Cushion for longer retirement, sequence risk protection
Standard (4% Trinity)
$1,350,000
Trinity Study classic, 30-year retirement
Your plan now
Years to freedom (Balanced 8%)
19.3
Freedom date (Balanced 8%)
September 2045
Exempt market changes the math
Standard portfolio (Balanced ETF 8%) gives you freedom in 19.3 years. Moving part of portfolio to exempt market (target 9% historical) shortens this by 1.0 years.
What this means for you personally — let's discuss on a consultation
Strategy comparison
Years to freedom with different investment strategies
| Strategy | Years | Date | vs Balanced |
|---|---|---|---|
Bank savings (1.5%) | 34.1 | July 2060 | +14.8 |
GIC (3%) | 28.4 | October 2054 | +9.1 |
Conservative ETF (6%) | 21.9 | April 2048 | +2.6 |
Balanced ETF (8%) | 19.3 | September 2045 | — |
Exempt Market (9%)EMD specialty | 18.3 | August 2044 | -1.0 |
Aggressive ETF (10%) | 17.4 | September 2043 | -1.9 |
Your exact strategy — in 30 minutes
We'll review your situation, KYC + suitability, build a personal exempt market plan based on your risk profile and horizon.
Book a consultation