Freedom Calculator

Monthly Deposit

Formula:
Monthly Deposit = Monthly Bill + Buffer Amount
Buffer Amount = Monthly Bill × Buffer Percentage

Monthly Investment

Formula:
Initial Monthly Investment = Monthly Deposit × Investment Ratio
Monthly Investment = Initial Monthly Investment + (Reinvestment Amount ÷ 12)

Investment Ratios by Buffer:

• 15%: 34.41%
• 20%: 55.8%
• 25%: 65.1%
• 30%: 76.26%
• 35%: 89.28%
• 40%: 92.07%

USDC Carry Over

Formula:
Year 1: (Monthly Deposit - Monthly Investment) × 12
Reinvestment = Previous Carry Over × Current Reinvestment Rate Reinvestment Rate starts at 10% and increases by 10% each year (max 90%)

Asset Value

Formula:
Asset Value = Initial Investment + Yearly Investment + Initial Gains + Investment Gains
Yearly Investment = Monthly Investment × 12
Initial Gains = Initial Investment × Growth Rate
Investment Gains = Yearly Investment × Growth Rate

Loan Amount

Formula:
Year 1: Monthly Bill × 12 × (1 + Loan Interest Rate)
Next Years: Previous Loan + (Monthly Bill × 12 × (1 + Interest Rate))

Reinvestment Strategy

Formula:
Reinvestment Amount = USDC Carry Over × Current Reinvestment Rate
Remaining Carry Over = USDC Carry Over - Reinvestment Amount
Reinvestment Rate starts at 10% and increases by 10% each year (max 90%)

Total Value

Formula:
Total Value = Asset Value + Remaining USDC Carry Over

Net Asset Value

Formula:
Net Asset Value = Total Value - Total Loan Amount

Financial Freedom

Formula:
Monthly Passive Income = (Total Value × 10%) ÷ 12
Freedom achieved when: Monthly Passive Income ≥ Monthly Desired Amount