Financial Independence · Retire Early

Find your path
to freedom

Tested against every market cycle since 1871. Discover how long your money will last — and what it takes to retire on your terms.

Begin your journey How this calculator works

Your Retirement Plan

How long will
your money last?

$

How much you spend per year in today's dollars

$

Your total investable retirement savings today

30 years
Withdrawal rate 4.0% Classic 4% rule
$
$
$

Enter annual amounts in today's dollars. The calculator will adjust for inflation and reduce portfolio withdrawals once each source begins.

Canada/Quebec Pension Plan

$

Old Age Security (eligible at 65)

$

Defined benefit or employer pension

$

Enter annual amounts in today's dollars. The calculator adjusts for inflation and reduces RRIF/non-registered withdrawals once each government source begins.

Adjust how your savings are split across registered and non-registered accounts. This affects the withdrawal order and tax efficiency modelling.

Tip: RRSP must be converted to a RRIF by age 71, with mandatory minimum withdrawals. Prioritize TFSA withdrawals first to maximize tax-free compounding. Total allocation: 100%

If you hold an FHSA, include the balance in your total portfolio above. Contributions are tax-deductible; qualifying withdrawals are tax-free. Annual limit: $8,000 / Lifetime: $40,000.

Leave at current year if already retired

$

In today's dollars; FreeFrom will adjust for inflation

75%

Research suggests ~75% equities for 30-year retirements

0.18%

Low-cost index funds are typically 0.03–0.18%

No data stored

Your simulation results

Portfolio trajectories across all historical cycles