Disclaimer
Last Updated: November 26, 2025
NOT Financial Advice
IMPORTANT: The Freedom Number Calculator is provided for entertainment and educational purposes only. This is NOT:
- Financial advice
- Investment advice
- Retirement planning advice
- Tax advice
- Legal advice
You should consult with qualified financial advisors, tax professionals, and retirement planners before making significant financial decisions.
Estimates Only
All calculations are estimates based on:
- The numbers YOU enter (which may be inaccurate)
- Standard assumptions (4% withdrawal rule, investment returns)
- Simplified calculations that don't account for all real-world factors
What We DON'T Account For
The calculator makes simplifications and does NOT include:
- Inflation adjustments (actual dollars vs. today's dollars)
- Taxes on withdrawals
- Healthcare costs
- Market volatility and sequence of returns risk
- Changes in Social Security or pension benefits
- Unexpected expenses
- Longevity risk (living longer than expected)
- Changes in your income or savings rate
- Economic conditions
No Income Guarantees
If the calculator suggests you need supplementary income (your "Freedom Number"), we make NO guarantees about:
- Your ability to generate that income
- How long it will take
- What opportunities will be available
- Market demand for your skills
Accuracy Disclaimer
We make no warranties about:
- The accuracy of calculations
- The completeness of the methodology
- The suitability for your specific situation
- The reliability of any suggestions
Use at Your Own Risk
Any reliance you place on the calculator results is strictly at your own risk.
We shall not be liable for any losses, damages, or negative outcomes resulting from:
- Using the calculator
- Relying on the results
- Making financial decisions based on the calculator
- Inaccurate calculations or assumptions
Affiliate Disclosure
Some links and recommendations may be affiliate links, meaning we may earn a commission at no additional cost to you. As an Amazon Associate, we earn from qualifying purchases.
The Bottom Line
This calculator is a starting point for thinking about retirement income needs. It's NOT a substitute for professional financial planning. Please work with qualified professionals for your specific situation.