Your Freedom Score
How much you need outside super to make work optional before 60 — and how close you already are.
The score is out of 100. The figure behind it is your Work Optional Number: the capital that has to carry you from the day you stop to the day super unlocks. Five steps, about three minutes.
Where you are, where you want to be, what you invest, your super, and how long to model.
Your Work Optional Number, your projection, the gap, the required monthly, the age it becomes achievable, and how long the money lasts.
Every figure is in today's money, so each one is comparable to a salary now.
Start from a situation, or your own numbers
Three worked situations, each loading a full set of figures you can then change. Useful for seeing the shape before entering anything of your own.
Out of 100. A hundred means the projection covers your Work Optional Number — the capital that carries you from the day you stop to the day super unlocks.
The whole plan, in one picture
Building, then drawing down, then the moment super takes over.
Two numbers that decide it
Both fall straight out of what you entered.
To reach your target you could
Any one of these on its own, computed from your figures. Options, not recommendations.
Super cannot fund the years before it unlocks. That stretch is the whole problem, and the only one this number solves.
Today's dollars throughout · a general illustration, not a forecastAfter super unlocks
What is left outside super, what super has become, and how long the two together last.
Change anything
Every figure above updates as you move these.