Mintmere CALCULATOR / 03
The Financial Freedom Calculator.
Financial freedom doesn't have to mean never working again. It might start with one more day that belongs to you.
What would a shorter week cost?
Use your estimated take-home pay, not gross salary. If part-time tax or pension effects make a pro-rata estimate inaccurate, override it below.
How much time could you buy back?
Model the gap between your current take-home income and a shorter week.
Your hypothetical buffer
The chart is an illustration, not a prediction of market returns.
What to watch out for
The net pay estimate does not account for how tax, benefits, pension contributions or employment terms may change when hours are reduced.
Smoothed annual returns are not how actual investment markets behave.
Don't count money you legally can't withdraw when your plan needs it.
Tax, fees, inflation, pension dates, benefits and spending changes can alter the outcome.
Educational scenario modelling only, not personal financial advice or a verified safe-withdrawal rate. A deliberately poor first two years (−20% then −10%) illustrates sequence risk, but is not a probabilistic stress test or guarantee. Modelled capital needs are finite-horizon figures, not guaranteed perpetuities. For major decisions, check actual net-pay implications and pension access with the relevant providers or a regulated adviser.