Explore different Financial Freedom Paths
Each path uses the same inputs from your calculator but a different illustrative return assumption. Select up to three to compare side by side. These are hypothetical projections, not guarantees.
A lower-growth projection that may be appropriate for users who prefer less volatility or are closer to their target date.
A diversified hypothetical projection combining growth and stability.
A higher-growth projection with increased exposure to market volatility.
A high-volatility hypothetical projection. Higher assumed returns create greater uncertainty and are not guaranteed.
Projected portfolio comparison
| Path | Assumed return | Required monthly | Required annual | Years to goal | Target age | Risk |
|---|---|---|---|---|---|---|
| Conservative Path | 4.0% | $8,935 | $107K | 45y 10m | 81 | Lower volatility |
| Balanced Path | 6.0% | $7,170 | $86K | 38y 1m | 73 | Moderate |
| Growth Path | 8.0% | $5,714 | $69K | 32y 9m | 68 | Higher |
Calculation assumptions
Return varies per path columnThese are the illustrative assumptions driving every figure on this page. Adjust them in the calculator's Assumptions step. Nothing here is a guarantee of future performance.
- Withdrawal rate
- 4.00%
- Inflation rate
- 3.00%
- Expected annual return
- 7.00%
- Timeline
- 20 years
- Contribution timing
- End of period
- Compounding
- Monthly
- Lifestyle amount stated in
- Today's dollars
- Displayed figures
- Future & today's dollars
- Target in today's dollars
- $2M
The Financial Freedom Path Calculator provides educational projections based on information and assumptions entered by the user. It does not provide investment, tax, legal, or financial advice. Investment returns are not guaranteed, and actual results may differ substantially from projections. Consider consulting qualified financial, tax, and legal professionals before making financial decisions.