Useful Tools
Financial Freedom Calculator
Enter your annual income from each source to see how close you are to financial freedom — built on the classic 4% safe withdrawal rule.
Your Annual Numbers
Dividends + interest from your portfolio
Net rental income after expenses
Whole life dividends, annuity payouts
Distributions / dividends from your business
Active work income — counted separately
Annual Living Expenses (enter monthly, ×12 auto)
Enter what you actually spend — accuracy beats neatness. Leave any line that doesn't apply at 0.
Housing
If rent covers your mortgage, enter 0
Debt Service
Margin / RRSP / NonReg leveraged loan
Personal portion of business debt
Daily Living
Gas, transit, car payment, auto insurance
Life / health / home (monthly avg)
Entertainment, travel, kids, subscriptions, etc.
Monthly Total
$0
Annual Total (used in calc)
$0
Passive Coverage
Passive $0 / Expenses $0
Next Step
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This tool is for general educational reference only. Real financial planning must account for inflation, taxes, healthcare, and longevity risk.