GIGA FINANCECASHFLOWFree tool
Financial Freedom Calculator
Financial freedom happens when your passive income covers your monthly expenses — the moment you escape the rat race. Enter your numbers below to see your Freedom score instantly.
Dividends, rental income, royalties — money earned without trading time.
Enter your total monthly passive income in dollars.
Housing, transport, utilities, debt payments, living costs.
Enter your total monthly expenses in dollars.
Your Freedom score
51.8%
$3,440 of monthly passive income still needed to escape the rat race.
How the Freedom score works
Your Freedom score is your monthly passive income divided by your monthly expenses, expressed as a percentage. At 100%, your assets pay for your lifestyle and working becomes a choice, not a necessity. Inspired by Robert Kiyosaki’s Cashflow concept, the goal is simple: grow assets that generate income and shrink the liabilities that drain it.
- Raise the score: acquire income-producing assets — rental property, dividend stocks, businesses.
- Raise the score: cut recurring expenses and pay down liabilities like credit cards and loans.
- Reach 100%: passive income covers expenses — the rat race is escaped.
Explore more freedom tools
Try our FIRE and Coast FIRE calculators, or start tracking your full Cashflow Quadrant in Giga Finance Cashflow.