Financial Freedom Planner

Plan Your Financial Freedom.

See when you can stop working. We calculate your future wealth based on your savings, investment returns, and inflation.

Your Money & Savings

Expenses & Goals

Financial Target

48

years old
Achieved in year 2049

Total Accumulated Balance

Rp6.044.174.353

Liquid assets at retirement

Your Annual Investment

Rp70.000.000

Total principal contributed (Now)

Future Living Costs

Rp19.735.865/mo

Inflation Effect 3%

Shortfall (Covered by Investment)

Rp19.735.865/month

Return Assumption 6% (At Retirement)

Save Your
Financial Plan.

Create a free account to save this plan, create multiple scenarios, and track your real progress over time.

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Multiple Scenarios

Compare different plans to see what works best.

Live Tracking

Connect your accounts to track real growth.

Understanding the Numbers

Think of it like planting a tree.

Money Saved is the seed you plant from your own pocket.

Interest Earned is the fruit the tree grows on its own. At first, you have to keep planting seeds, but eventually, the tree grows so big that it gives you enough fruit to eat forever without you doing any work. That is the goal.

Imagine you have enough savings to pay for the big stuff like rent and electricity, but not enough for everything. So, you work a fun, easy job (like at a coffee shop) just to pay for your daily food and hobbies. Because you don't need a high salary, you can quit your stressful corporate job years earlier.
Prices go up over time. Think about the price of candy or instant noodles 10 years ago—it was much cheaper, right? A burger that costs Rp 50.000 today might cost Rp 100.000 in the future. We adjust your calculation so that you can afford the same lifestyle in the future, even when prices double.
Imagine a magical bucket of water. If you take out just a small cup (4%) every year, the rain fills it back up before you return. If you take out a big bucket, it runs dry. This rule ensures you only spend the "interest" so your main savings never run out, no matter how long you live.
This is the missing piece of the puzzle. If your lifestyle costs Rp 10 Million a month, but you earn Rp 2 Million from a side hobby, you are "short" Rp 8 Million. Your savings need to be big enough to pay you that missing Rp 8 Million every single month.