Your freedom number

You can't build toward a destination
you've never named.

78% of UK adults over 40 have never calculated their financial freedom number, not because they don't want it, but because nobody ever showed them how to think about it properly.

This isn't a generic calculator. It walks through your actual position, names the number, and shows you exactly what's accessible now versus locked away for later, the part most tools skip entirely.

What it asks of you
Honest answers to six banded questions. About 15 minutes, no exact figures required.
What you walk away with
A named number, your gap to it, and every asset placed and sized, not just listed.
Illustrative example
£58,000 / year
requires roughly £1.45m – £1.66m
Pension
Property
ISA / cash
Not a generic calculator output. A statement built from your own numbers, kept as an appendix so it's actually useful the next time you sit down with a partner or an adviser.

Fifteen minutes, honest answers, one clear statement at the end that's genuinely yours.

Before we begin

Here's how this works

Six short sections, banded questions, no exact figures required. Here's what each one covers.

01
Where you actually stand today
What actually goes out the door each month. Most people have a rough sense, few have looked at it properly.
02
Your target number
The income you're aiming for, named in pounds, not vibes.
03
Your asset base, by category
Pension, property, ISA and cash, broken out properly. Approximate bands are fine.
04
When can you actually get at it
What's accessible now versus locked away for later, the part most tools skip entirely.
05
The gap, and what closing it requires
Your answers turned into your actual number, and what closing any gap actually takes.
06
One last thing
One thing worth sitting with before your statement is generated.
Your Freedom Number statement
A named number, your gap to it, and every asset placed and sized, not just listed.
Allow 15 minutes. You can pause and return at any point.
15 minutes
6 guided areas
Your Freedom Number statement
Built by Richard Hand — chartered accountant, former management consultant, and the founder who spent a decade building and then selling Urban Jump. Poreia is the framework he wishes someone had handed him at thirty-five. My story →
Section 1 of 6

Where you actually stand today

Before we talk about the number you're aiming for, let's get honest about what actually goes out the door today. Most people have a rough sense. Few have looked at it properly.

What's your current household monthly outgoing, all in?
Under £2,500
£2,500 – £4,000
£4,000 – £6,000
£6,000+
Has this changed materially in the last two years?
Gone up
Stayed roughly flat
Gone down
Anything on the horizon that could change this? Select everything that applies.
This is where most people realise there's more moving than they first thought.
Downsizing the family home
Upsizing, or a house move of some kind
Children becoming financially independent, or still part-way through, university, first job, that stage
Supporting a parent or family member, financially or otherwise
A divorce or separation settlement still being worked through
An inheritance expected, at some point
A business sale or exit not yet complete
None of these, no material change expected
Something else
Why this matters
Your freedom number isn't built on today's spend, it's built on tomorrow's. But you can't project forward without knowing exactly where you stand now.
Section 2 of 6

Your target number

Financial freedom means different things to different people. Here we're naming the number, in pounds, not vibes.

What annual income, after tax, would let you stop trading time for money and actually feel free?
Under £40k
£40k – £60k
£60k – £80k
£80k+
What does life actually look like at that number? Select everything that fits.
This goes into your statement and makes it personal, rather than a generic number on a page.
Travelling more, without checking a budget first
More time with family, without work eating into it
Working on something I actually choose, on my own terms
A genuinely slower pace, less pressure day to day
Space for hobbies and interests I've put off for years
Focus on health and wellbeing, finally making time for it
Supporting family, or causes that matter to me
Honestly, I haven't pictured it in detail yet
Something else
The point of the freedom number
You can't build a plan toward a destination you haven't named. This isn't about being greedy, it's about being deliberate.
Section 3 of 6

Your asset base, by category

Not net worth as one blurred figure, broken into what it actually is. Approximate bands are fine, we're building a picture, not filing accounts.

Investments, ISAs, or cash savings
None or negligible
Under £50k
£50k – £150k
£150k – £400k
£400k+
Pension(s), combined estimate
None or negligible
Under £50k
£50k – £150k
£150k – £400k
£400k+
Business equity, value locked in a company you own or part-own
None
Under £50k
£50k – £150k
£150k – £400k
£400k+
Property equity, beyond your main residence if that's not part of your plan
None
Under £50k
£50k – £150k
£150k – £400k
£400k+
Cash on hand or buffer, outside your investment accounts
Minimal
Under £50k
£50k – £150k
£150k+
You probably have more than you think
The most common reaction at this stage is surprise. Property equity, pension pots people had forgotten about, business value they'd never quantified.
Section 4 of 6

When can you actually get at it

The base only helps if you can get at it when you need to. This is the part most calculators skip entirely.

Is there anything currently unresolved or pending that could materially change this picture? A legal settlement, an inheritance, a sale not yet completed.
No, the picture above is settled
Yes, and it's likely to increase the base
Yes, and it's likely to decrease the base
Yes, and the direction isn't clear yet
Why this section exists
A £300k pension pot and £300k of equity in a home you live in are very different contributors to your number. One produces income on demand, the other doesn't unless something changes. Your statement will show both, honestly.
Section 5 of 6

The gap, and what closing it requires

This is where your answers get turned into your actual number. There's no more to fill in here, just one thing worth sitting with before we generate your statement.

If the gap turned out to be smaller than you feared, or bigger, what would that actually change for you?
A few words is fine. This isn't scored, it's just worth naming before you see the number.
What closing a gap actually looks like
Closing a gap is always some structural combination of continued growth on what you already have, time, further contribution, or a liquidity event such as a sale. Your statement will name which of these applies to your position. It won't tell you which lever to pull, that's a conversation for your adviser, briefed properly.
Section 6 of 6

One last thing

Numbers on their own don't change anything. What you do once you've seen it does.

Once you've seen your number, what's the first honest conversation it should prompt, and with whom?
Before you build it
This statement names your number and shows what's actually accessible now. It doesn't tell you what to do with your pension, your business, or your investments, that's structurally deliberate, not an oversight. Take it to the right adviser for the specifics.
Your Freedom Number is ready

One step left

You've done the honest work. Unlock your personalised statement, a one-off payment, yours to keep.

What unlocks
Your Freedom Number, the liquid-now vs locked-later breakdown, a save/print-ready statement, and your full answers kept in an appendix so it's genuinely useful in a real conversation with an adviser or partner.

Secure payment via Stripe, a one-off charge with no subscription. You'll be brought straight back here once it's complete. Because you've already seen what's inside, this purchase is final — no refunds once your statement unlocks.

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