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For employees stuck in the 9-to-5

How much money do you actually need to quit your job?

It's probably less than you think. Find your Freedom Number in 60 seconds, and see how many years it really takes on a normal salary.

See your Clock Out Map → Watch the videos
Sam, the 92Money office worker
Your Clock Out Map

8 steps from "where does my money go?" to a plan

Start with the free tools. Each step takes minutes and builds on the one before. Tap a step to see what it does; we remember your progress on this device.

Step 1 of 8
Free calculator

Your Freedom Number

Your yearly spending × 25 (the "4% rule"). Then we estimate how long it takes to get there.

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Your Freedom Number
$1,200,000
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Rough estimate in today's dollars, not a promise. Real returns vary year to year and can be negative. For education only, not financial advice.

THE FREEDOM NUMBER WORKSHEETFree PDF · 4 pages

Get the free worksheet

Print it, grab your last 3 bank statements and find your real number in 15 minutes. Includes the savings-rate timeline and the 15-minute weekly plan for tired employees.

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What we talk about

Simple money math for real employees

Your Freedom NumberHow much you need, how long it takes, and the shortcuts (Coast FI, the half number).
Your paycheck & benefits401(k), Roth, HSA, raises, and the benefits most employees waste. First Paycheck & Tax Playbook →
Investing without hypeIndex funds, compound interest, crashes: explained by Sam in 8-minute cartoons.
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