Free & interactive
The Financial Freedom Milestones
Check your rung, type your number, and see how far the next rung really is.
Calculator
The Financial Freedom Milestones
@fmaunlv
Check your rung, type your number, and see how far the next rung really is.
STAGE 1
Active income covers my monthly expenses
Stability. The floor. Below this rung, nothing else on the ladder counts.
STAGE 2
One year of expenses in liquid assets
Runway. If everything fell apart tomorrow, you have twelve months to rebuild.
STAGE 3
Passive income covers my expenses
The crossing point. The hardest jump on the ladder, and where most people sit for years.
STAGE 4
Total assets are five times my annual expenses
Abundance. Not a bigger version of Stage 3, a different test: Stage 3 counts monthly cash flow, this one counts the pile behind it, and it is where real capital starts compounding for you.
STAGE 5
Money is no longer the question
Life by design. Post-economic. You work for the love of the game, not the paycheck.
My monthly expense number
$
My Stage 2 target (12 months banked)
...
What I can save toward it per month
$
Years to Stage 2 at 8% growth
Saving + compounding, doing the climb together.
...
An AI coach reads your work against the FMA playbook. Education, not financial advice.
FMA coach
Freedom is a staircase, not a leap.Pick the next rung and make it your only target.
Climb one rung at a time.
Take the knowledge with you: the PDF is the full framework, worked examples, and the printable version of this tool.
Download the guide (PDF)One-page card
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