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Freedom is a number — we help you reach yours. Your Freedom Number is how much you need invested to make work optional — at any age. Not 65. Not "someday." Whenever your money can replace your paycheck.
Retirement isn't an age — it's a number. The portfolio size where work becomes optional. Most people never learn what theirs is.
A 35-year-old needs a different withdrawal rate than a 55-year-old. Tax mix matters. Spending patterns matter. One-size-fits-all math leaves money on the table.
Most tools demand your brokerage credentials for a real projection. We don't. Your data stays yours.
Your Freedom Number
$1.5M
You could be free by age 65 with your current trajectory
Projected portfolio: $2.3M · 4.0% withdrawal rate · 7% returns
Withdrawal rate adjusts by age · Full app adds tax-drag + account types
Enter your age and monthly spending
Add your accounts (approximate balances are fine)
See your Freedom Number — personalized to your life
Track your progress and learn what moves the needle
in one platform — retirement, debt, tax, FIRE, and more
No account needed — your numbers never leave your browser. Sign up and we keep your plan so it is there tomorrow and on your other devices. No bank linking, ever.
per retirement simulation — not one guess, a full probability map
Unoptimized taxes and high fund fees are the two silent killers of retirement plans.
$500
Tax optimization savings
Bracket timing, Roth vs Traditional, conversion strategy
+$60/mo
Expense ratio reduction
Switching from avg 1.2% to index funds at ~0.05%
+$144/mo
20-year compounding impact at 7%
$106,269
in additional retirement wealth
Estimates based on typical tax bracket optimization (8–18% of contributions) and fund expense ratio reduction from industry average (1.2%) to index fund average (0.05%). Actual results vary. Not financial advice.
No Bank Login
Data stays in your browser
No Ads. Ever.
Your data is not the product
Free to Start
Free calculators, no card required
Cancel Anytime
No lock-in, no hassle
One dashboard shows your Freedom Number, progress toward it, and what moves the needle. Every tool connects back to the number that makes work optional.
Four Monte Carlo models. Tax modeling with RMDs. Withdrawal strategies with spending phases. Advanced Mode when you want it.
Bull and bear market cycles. Recession probability and recovery speed. Black swan events. Historical pattern matching back to actual market data.
No account linking required. No brokerage logins. No selling your data to advisors. Enter your numbers, get your projections, keep your privacy.
Sage AI Tutor
Ask anything about your finances and get personalized answers on every page
Tax-aware account modeling with RMD projections across all account types
Spending phases for go-go, slow-go, and no-go years with custom adjustments
120+ interactive lessons across 13 learning paths with quizzes and XP
Not just a calculator — a companion for your entire financial journey.
Your personalized portfolio target — age-adjusted withdrawal rates, tax-drag modeling, and milestone tracking
Interactive sliders show how saving more, retiring earlier, or market changes affect your Freedom Number
See your complete financial picture with asset breakdown and tax diversification analysis
Five variants of financial independence — plus a side-by-side comparison with your real Freedom Number
Gamified debt payoff — see how freed payments accelerate your path to financial freedom
Badges, streaks, monthly challenges, and a community leaderboard. Because willpower alone doesn't pay off $47,000 in student loans — but gamified accountability does.
Achievement Badges
Earn badges for milestones: first payment, 25% paid off, debt-free day
Monthly Challenges
“No-spend weekend,” “$50 extra payment,” “sell one thing” — small wins compound
Payoff Strategies
Snowball, avalanche, or hybrid — see the math on each and pick your path
39% — debt-free by March 2028
Recent Badges
First Payment
$5K Milestone
7-Day Streak
25% Done
Monthly Challenge
Make an extra $100 payment this month
Simple monthly billing. Cancel anytime, no commitments.
$0
forever
No credit card required
$8
per month
14-day money-back guarantee
$15
per month
14-day money-back guarantee
One year of Pro costs less than a single hour with a financial advisor. Same Monte Carlo engine. No AUM fees. No sales calls.
From basic calculations to AI-powered strategy, each tier delivers concrete value at every step.
$0/mo
Example Output:
“Your retirement calculator shows: You need $1.2M by age 65”
What you get:
$8/mo
Example Output:
“Pro analysis reveals: You have a 73% success rate across 1,000 Monte Carlo simulations. Switching to Roth conversions could save $47,000 in taxes.”
What you get:
Sample Insight:
“Your optimal withdrawal order: 1) Taxable → 2) Traditional → 3) Roth — saving $12,400/yearin taxes”
$15/mo
Example Output:
“AI Advisor says: Based on your situation, consider maxing your HSAbefore additional 401(k) contributions. Here's why...”
What you get:
You ask:
“Should I do a Roth conversion this year?”
AI responds:
“Yes, convert ~$40k. Your tax bracket is low this year, and you'll dodge RMDs later, gaining ~$23k in tax-free growth.”
Questions about which tier is right for you?
Talk to our teamHTTPS encryption and row-level database security
We never sell your data. Ever.
Educational tool — not financial advice
Your data is exportable and deletable anytime
Free
Financial tools & calculators
1,000
Monte Carlo simulations per projection
$0
Data sold to third parties — ever
3 min
From signup to your Freedom Number
0
Advisor sales calls — ever
All the tools, none of the sales pitch
Is this financial advice?
No. Sagery is an educational simulation tool, not a registered investment advisor. Our AI runs personalized simulations based on your inputs — it does not provide financial advice. Always consult a licensed financial advisor for personal financial decisions.
Do I have to link my bank accounts?
Never. You enter your own numbers manually. We don't ask for credentials, and your data stays on your device with local-first storage.
What if I want to cancel?
Cancel anytime in one click. All paid plans include a 14-day money-back guarantee. You can export your data before leaving.
How is this better than free calculators?
Most free calculators use single-average returns and ignore taxes. We run 1,000+ Monte Carlo simulations and show your real income after taxes. See comparison →
What is Monte Carlo simulation?
We run 1,000+ scenarios with varying market returns and inflation to show your probability of success — not just one optimistic average. It reveals the realistic range of outcomes for your retirement plan.
Is my financial data secure?
Use the free calculators without an account and your numbers never leave your browser. We can see that a page was viewed — anonymous, no cookies, no profile — but never what you typed into it. If you sign up, you are telling us to keep your plan, so it is there tomorrow and on your other devices. We store it to run the product and fix bugs. We never sell it, share it, or ask for a bank login.
Which account types are supported?
Traditional and Roth 401(k), IRA, SEP-IRA, 403(b), TSP, taxable brokerage, and cash accounts. Each gets correct tax treatment — including RMDs — in your projections.
How does the FIRE calculator work?
It calculates your Financial Independence number using the 4% rule (or your custom rate) and projects your timeline based on savings, contributions, and returns. Supports Lean, Traditional, Fat, Coast, and Barista FIRE. Try it free →