Free · private · runs in your browser

Financial independence tracker

FreedomLedger — Investment Projection & FIRE Calculator

Plan toward financial independence: set milestones, project how your investments grow with monthly contributions, and see your inflation-adjusted value and safe-withdrawal monthly income for every year ahead. Includes a self-employed take-home estimate for Belgium and Bulgaria.

What you can do

• Track milestones — capital goals like an emergency fund, or monthly-income goals like a basic and a luxury income, each marked with the year you reach it.
• Project year by year — own contributions vs. total value, with a clear chart and table.
• See real (inflation-adjusted) values and the net monthly income a safe withdrawal rate would provide.
• Model taxes — dividend and capital-gains assumptions, plus a self-employed pre-tax/post-tax estimate for Belgium and Bulgaria.
• Keep it private — works with no account; sign in only if you want your plan synced across devices.

Questions

Is it free and private?

Yes. It runs in your browser and is free to use. An optional account syncs only your own plan.

Which countries does the tax estimate cover?

Belgium and Bulgaria, for self-employed income (revenue minus expenses → social contributions and income tax → net take-home). Rates are editable; results are estimates, not tax advice.