£
Whatever's actually left once the deal completes and tax is accounted for.
£
Leave blank if you'd rather keep this separate.
£
One rough figure is fine, before tax.
A ballpark using a standard 4% withdrawal rate, not a personalised financial plan.
Your rough sustainable income
Roughly £0 a year
This uses a standard 4% safe withdrawal rate on your total pot, a common rule of thumb designed to make a pot last through a full retirement, typically 25 to 30 years, without running out. It's not tied to a specific number of years you choose, it's built to be sustainable over a long retirement by default. It doesn't account for tax on withdrawals, investment returns or costs, inflation, or the State Pension. It's a starting point, not a plan.
Your next step
A rough number isn't a plan.
You've got a rough sustainable income. 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.
Not ready for that yet? Get your number, plus the decisions most people rush in year one
Email it to yourself, along with a short, honest note on the decisions most people get wrong in the first 12 months after a sale, and don't need to. You'll also get The Poreia Perspective, our fortnightly newsletter on financial clarity at the big turning points. Unsubscribe any time, one click.
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, investment returns, inflation, and the State Pension. Always consult a qualified financial adviser before making significant financial decisions.