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Your freedom plan

Your time, your budget, your capital, your freedom.

What is your time worth? How much can you put aside? And what could that money let you do? Four short steps, built on the calculations of four tools on this site. Free, no account, and nothing leaves your browser.

What do you want the freedom to do?

Your choice adapts the questions and the final result. You can change it at any time without losing your answers.

Your goal

Enter all your amounts in this currency. Destination budgets are converted at today's rate, shown next to them.

Nothing is sent: your amounts stay in your browser. No account, no bank connection.

Goal:

Step 1 of 4: Your time

How much does one hour of your time really earn you, commute and expenses included? Two minutes. If that is not your question, skip this step.

What you receive after deductions. Use the same basis for the whole simulation.

Enter a monthly average over the year. Only count what your job costs you on top and that you pay yourself.

Your usual hours, paid overtime included.

Half a day counts as 0.5.

Per week. 0 if you always work remotely.

In minutes, door to door, both ways added up.

Advanced settings weeks, 13th salary, bonuses, extra time

52 weeks minus holidays and other weeks not worked. 47 by default.

Monthly salary payments per year

13 if you receive a 13th-month salary. 14 exists too, in Spain or Peru for example.

Excluding the 13th salary: bonus, gratuity, profit sharing, net.

Mandatory preparation, work messages outside hours, etc. Don't count again what is already in your hours or your commute.

Your effective hourly rate

Your hourly rate will appear here.

Try a purchase

In the plan currency.

This is not how long it takes to save that price: for that, you need what is left each month after your spending. That is the next step.

Compare two purchases, break down your expenses: How much of your life does it cost?

Step 2 of 4: Your budget

What comes in, what goes out, and what you choose to put into your project. Everything as a monthly average.

This budget covers

Your income, and only your share of shared costs (half the rent if you split it).

Your income

An ordinary month, without a 13th salary or bonus.

Other adults' salaries (household budget), benefits, pension, rent received.

And a 14th if you have one. Yearly amount: it is spread over 12 months.

Bonus, gratuity, profit sharing. Yearly amount, spread over 12 months.

The 13th salary and bonuses count once, as a monthly average: they are never added to the monthly salary.

Your spending

One amount per line, 0 if you don't have that cost. An empty line stays "to complete": it is not counted as 0.

Rent or mortgage interest, service charges, energy.

Health insurance, other insurance, medical costs (monthly average).

Phone, internet, streaming, gym.

Public transport, car (fuel, insurance, parking, upkeep). A lease only once: here or in your debts.

Groceries, restaurants, outings, shopping, hobbies, children.

Taxes, fees, gifts, holidays paid once a year. Yearly amount: it is divided by 12.

Loan, car lease, credit card, payment plan. 0 if none.

Your unreimbursed work expenses: commuting, extra cost of meals, equipment.

Tick this if you already counted them in Transport or Daily life: they won't be added a second time.

Your savings already planned

A transfer you already make for this goal. 0 if none.

Safety net, investments, pension: what you put aside for something else. The plan doesn't touch it.

Your budget, per month

My changes optional: the costs you decide to cut

Enter the new target amount for each cost you want to cut. These are intentions: nothing is counted as already done, and if your budget is in deficit, these savings first go to balancing it.

What you put into your project

Your margin is what is left after your spending, your debts and the savings you already planned. You decide how much of it you add: nothing is allocated for you.

0 if you add nothing. You can change it in your plan.

Shortcuts

Line-by-line detail, ways to save and the 70/20/10 benchmark: Where does your money go?

Step 3 of 4: How much can you gather?

First with no return at all: what your capital and your saving effort produce on their own.

The money already set aside for this goal. 0 if you start from scratch.

Taken from your budget once it is filled in. You can change it.

Until when?

In months, from 1 to 600.

Projected capital, no return

Your target amount

The total amount you need.

Hypothetical return advanced option, off by default

Low and high scenarios, inflation, chart and DeFi mode: compound interest calculator. The DeFi / Aave mode is not used in this plan.

Step 4 of 4: Your freedom

Where?

51 documented cities in 30 countries, with the budgets of the "How many months of freedom?" simulator.

Who is going?
Lifestyle

Typical home in the reference area, a few restaurants a week, regular outings, good health cover.

Leave empty to keep the destination budget. An amount here replaces it.

What you will spend each month, debts included. Work-related costs disappear.

Per month, net. Your current salary is not carried over: only enter what you will actually receive (rent, pension, remote work, benefits).

Costs, deposit, ongoing charges and reserve

Flights, visas, moving, first purchases. Spent once and for all.

Money tied up, often one to two months of rent. It isn't lost, but to be safe the tool doesn't put it back during the stay.

Insurance, subscriptions, rent or loan you keep paying back home.

Part of your capital you don't want to touch: early return, serious emergency. It is taken out of the usable capital once.

Added to monthly expenses. 10% is a prudent buffer.

To see what capital you would need.

The total amount you need.

Reference spending

The spending your safety net must cover, taken from your budget. Untick what would stop in hard times.

Without a budget in step 2: the total of your essential spending per month.

Target safety net

Your freedom

Compare with other destinations

Same capital, same costs and same income: only the city budget changes.

    This estimate is about your budget. It does not determine how long you can legally stay in the country.

    Cost breakdown, sources and the ranking of the cheapest cities: How many months of freedom?

    My freedom plan

    Your plan fits on one page. Change the contribution, the date or the destination: everything is recalculated.

    My goal

    My chosen budget actions

      My projected capital and target date

      Result

      Key assumptions

        Capital that funds a few months is not permanent financial independence: once it is spent, you need income.

        The summary contains your plan amounts (contribution, capital, length), never your salary, your income or your hourly rate.

        Without this option, your answers only stay in this tab while you go through the plan. They are never sent.

        How the plan connects the four tools

        Each step uses the calculation engine of one tool on this site, unchanged. The plan only passes the right numbers from one step to the next.

        What passes from one step to the next, and what doesn't

        Your monthly salary passes from step 1 to step 2. The 13th salary and bonuses arrive there as yearly amounts, spread over twelve months: they are never added to the monthly salary. Your work expenses become one spending line, removed if you say they are already in your other costs. The hourly rate does not go into the budget: it is for reading a price in hours, not for saving.

        From step 2 to step 3 passes your monthly contribution: the savings already assigned to the project, plus the share of your margin you choose to add. Never the whole margin by default. If your budget is in deficit, the savings you plan first close the deficit; only what is left can become savings.

        From step 3 to step 4 passes your projected capital, with no return unless you decide otherwise. For a move or a break, your salary never continues: only the income you declare as ongoing counts. Departure costs, the deposit and the protected reserve are taken out of the capital once, ongoing charges are added once to monthly spending. For a safety net, the reserve is the result: it is not taken out a second time.

        Currencies

        All your amounts are entered in the plan currency: CHF, EUR or USD. Destination budgets, published in local currency, are converted at today's exchange rate (European Central Bank, Central Reserve Bank of Peru for the sol, ExchangeRate-API for a few currencies), with the date shown. If you change the plan currency along the way, the plan asks whether to convert your amounts or only change the unit: an amount in francs is never read as euros.

        Frequently asked questions

        Why four steps rather than a single calculation?

        Because each question has its own answer: what your time is worth, what is left each month, what you can gather, and what that capital lets you do. Each step uses the engine of the matching tool, and you can skip the first two if you don't need them.

        Does my hourly rate tell me how long it takes to save for a purchase?

        No. The hourly rate turns a price into hours of time devoted to work. To know how long it takes to put it aside, you need what is left once your spending is paid: that is your monthly contribution, worked out in step 2.

        How are the 13th salary and work expenses counted?

        The 13th salary (and a 14th if you have one) and bonuses stay yearly amounts, spread over twelve months in your budget: they are never added to the monthly salary, so never counted twice. Your work expenses become one spending line. If you already included them in transport or meals, tick "already included": they are not added.

        Why doesn't the plan put my whole margin into my project?

        Because it is your decision. The margin is what is left after your spending, your debts and the savings you already planned. The plan shows it to you, and you choose how much you add. If your budget is in deficit, the savings you plan first close the deficit: they only become savings beyond that.

        Is a return included in my projected capital?

        Not by default. The first projection adds up your capital and your contributions, with no return at all. You can add a hypothetical return in the advanced options: simulated gains are then shown separately, and you choose which capital to use next.

        Is a few funded months financial freedom?

        No. Capital that funds eight months in another city gives you eight months, not an income for life. Once it is spent, you need income. The plan never assumes your salary continues after a move or during a break: only the income you declare as ongoing is counted.

        Are my amounts sent anywhere?

        No. Everything is calculated in your browser. Your answers stay in this tab while you go through the plan, and are only kept on your device if you turn on "Remember on this device". No amount goes into the page address. The only exchange with the server reads exchange rates, without sending anything.

        An information tool. This plan is not financial advice and promises no returns. Capital that funds a few months is not permanent financial independence. Read the disclaimer.

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