Days of Freedom

"If I stopped working today, how many days until my liquid money runs out?"

Against a liquid net worth of $145,000 and a daily burn rate of about $320, that mathematically works out to 453 days of absolute freedom before system shutdown.

— Debugging Your Personal Finance, Chapter 10

Liquid net worth ($) — cash, taxable brokerage, ETFs, index funds. NOT home equity or locked retirement accounts. Annual expenses ($)

Measures how many days your liquid portfolio could cover your current expenses. Does not account for taxes, inflation drift, healthcare costs, or longevity risk.

From Chapters 5 and 10 of Debugging Your Personal Finance. Simple calculator · Inputs stay in your browser · Not financial advice.