Financial independence · For everyone

At what age will you be free?

Being free is the day your wealth lets you live without depending on a salary. Discover your freedom number, the age at which you'll reach it at your current pace, and the path to get there sooner.

Your age today 35 years old

Your net income, per month €4,000 Salary, business income: whatever comes in net each month.

What you spend to live, per month €2,800 Housing, everyday life, family, pleasures. This is the amount your wealth alone will need to cover.

Savings and wealth already built €30,000 Everything you've already set aside: savings accounts, life insurance (assurance-vie), rental property.

Annual return on your investments 4.0% What a well-invested capital yields on average each year. A cautious assumption, not a promise.

Indicative, educational estimate based solely on the information entered. Your freedom number is the sum that, at a prudent withdrawal rate of 3.5%/year, covers your expenses on its own. Excludes inflation and detailed taxation. This does not constitute personalised advice or a recommendation on financial instruments. Le Chêne Patrimonial acts as an insurance broker and real estate intermediary.

Your freedom number

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The sum that, well invested, lets you live without depending on a salary.

At your current pace, you're free at —

free

todayage 90

Already on the way to your freedom—

What you need to live—

What you set aside / month—

Years until your freedom—

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How this result is calculated

Your freedom number = what you spend to live each year, divided by a prudent withdrawal rate of 3.5%/year (sustainable withdrawal rule).
The age of freedom = the year your savings, assuming you keep setting aside what you do today, reach this amount.
Growth assumes your targeted return, compounded. Excludes inflation and detailed taxation.

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Financial freedom isn't a dream, it's a calculation

Most people work without knowing what number they're working towards. Yet it exists: it's the capital that, well invested, generates enough income to cover your lifestyle without you having to work. Here, we call it your freedom number.

Knowing it changes everything: you stop saving "at random" and instead aim for a defined target, by a defined date. And above all, you discover the three levers that bring that date closer: what you spend, what you set aside, and how you invest it. This is exactly the work I do with the people I support.

Start together

Your financial freedom starts now.

This calculator sets the course. Together, we turn it into a concrete strategy: wrappers, allocation, tax planning. A first 30-minute conversation, with no obligation.

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