£
Use the amount that lands in your bank, not the headline figure.Only the first £30,000 of genuine redundancy pay is tax free. Pay in lieu of notice (PILON), holiday pay and bonus are fully taxable, so a £100,000 package can leave much less than £100,000.
£
Leave blank if you'd rather keep this separate.
£
One rough figure is fine, mortgage or rent, bills, food, the essentials. Not itemised.
A ballpark from one rough spending figure, not a personalised financial plan.
Your rough runway
Roughly 0.0 months
Roughly where the money runs out
...and then what?
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Your next step
A rough number isn't a plan.
The Freedom Number gives you the real one: your whole financial picture worked through once, properly.
- Your actual number, not a rough estimate from three fields
- Every account, pension and asset in one place
- A clear view of what closing any gap actually takes
15 minutes, honest answers, one clear statement at the end that's genuinely yours.
Prefer to work through it on paper instead? A printable Freedom Number workbook is also available on Etsy and Gumroad.
This calculator is educational and does not constitute regulated financial advice. The result is a generic illustration based on the figures you enter, not a personalised recommendation or projection of your circumstances. It excludes tax, potential income during your transition, and changes to spending over time. Always consult a qualified financial adviser before making significant financial decisions.