Free Tools

See what your money is really costing you

Two quick tools that do the math live. No sign-up, no download — just type and watch the numbers move.

Enter what you spend per month on each category. We'll show the annual cost and what that money could have become invested over 30 years.

LeakPer monthPer year30-yr cost

Your total $0 $0 $0

Your spending could cost you

in future wealth over 30 years — money that could have funded your freedom.

Illustrative: 30-year figure assumes a 7% average annual real return. Not a guarantee.

Now turn it into a plan.

The Wealth Bandit Score shows you where you stand and which leak to plug first — in about 60 seconds.

Take the Wealth Bandit Score™ See the guides

Financial freedom is the point where your investments can cover your spending. Enter four numbers to estimate the year you could get there.

Monthly take-home income

Monthly amount you save & invest

Total already invested / net worth

Your expected annual expenses in freedom

Savings rate

—

Freedom Number

—

Years to go

—

Your estimated Freedom Date

Enter your numbers above

Illustrative: assumes a 7% average annual real return and the 4% rule (Freedom Number = annual expenses × 25). Real results vary. Not financial advice.

Want to pull that date closer?

The Freedom Date Planner walks you through the exact moves to bring it forward — step by step.

Get the Freedom Toolkit Take the Score first