Companion Tool · Chapters 1 & 6 · The Accountant's Blueprint
Freedom Number Calculator
Two numbers matter more than any other in this book: the point where your essential expenses are covered for life — your optionality milestone — and the point where your whole lifestyle is. Enter your spending and current portfolio below to see both, and how close you already are.
Your numbers
Pull essential spending and total spending from your Cash Flow Tracker (Chapter 2) if you've already built one — otherwise, a good estimate is fine to start.
Housing, food, utilities, insurance, minimum debt payments — what you cannot live without.
Essentials plus everything discretionary — your full current lifestyle.
Pensions, ISAs / investment accounts, and other invested assets — not your emergency fund.
Optional — used only to estimate how many years remain at your current pace.
Chapter 6 · Optionality milestone
Essential spending covered for life
£0
Chapter 1 · Full freedom number
Entire lifestyle covered for life
£0
Track your progress
Save a snapshot of your portfolio value each quarter alongside your net worth and cash flow check-ins — watching this line close the gap is, for most readers, the most motivating number in the whole book.