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Most people spend their lives chasing net worth. The number that actually matters is smaller and far more specific: the capital it takes for your money to throw off enough income to cover the cost of your life. The day your cash flow covers your burn rate, work becomes a choice. Here is yours.
Most successful people can't actually say. So let's build it. Enter what you spend in a typical month — don't aim for perfect, aim for honest. Use after-tax living costs; we're finding the price of your lifestyle, not your tax bill.
Your life costs $15,000 a month — that's $180,000 a year.
This is the share of your invested money you can reliably count on each year as income. If your capital produces it and you live on that, the principal keeps working. Lower means you need more capital — but you're safer. Not sure? Leave it at 5%. It's a sound, slightly conservative starting point.
Balanced. A sound, slightly conservative assumption.
Optional. Your investable capital today — the assets that could be working toward this. We'll show how close you are.
Your annual burn rate is $180,000.
Roughly what you'd need invested so its cash flow, at the return you set, covers your yearly expenses.
Speculation layer (5%): $180,000
This number is just one piece. Your real freedom number depends on the life you want and your full mix of active and passive income, and that's what we map out together at the Fulfillionaire Workshop in Austin.
See the Workshop →This calculator is for education and reflection, not financial advice. Results are simple estimates based only on the numbers you enter and assume a steady return that real markets do not guarantee. Talk to a qualified professional about your own situation before making decisions.