When can you stop working forever?
Simulate savings rate, ETF returns, inflation and withdrawals — and find out when work becomes optional for you.
Planning tool · not investment advice · 14-day Pro trial free
Calculate when you are financially free
Change the assumptions — see instantly what it does to your freedom.
Small changes in savings, spending or returns can shift your freedom date by years.
Financial freedom is more than a number
The most important variables are not static — and exactly that makes the difference between plan and wishful thinking.
Returns are not linear
Markets fluctuate. Planora helps you compare assumptions realistically.
Spending changes
Family, housing, travel and health change your needs over the years.
Withdrawals are critical
The question is not just when you become financially free — but whether your wealth lasts.
Compare different paths to freedom
Three paths — three consequences. Planora is not a calculator, it’s a decision tool.
Base
Current savings, no changes
- €1,500 / month
- Full-time
- Standard inflation
+€500 savings
Save more aggressively
- €2,000 / month
- Full-time
- +4 years of freedom
Part-time from 45
More freedom earlier
- €1,500 → €800 / mo
- 30h/wk from 45
- But: quality of life ↑
Everything you need for your Financial Freedom plan
Plan the saving phase
Keep income, spending, savings rate and wealth growth in view — and see how today’s behavior affects tomorrow’s wealth.
Simulate the withdrawal phase
Model monthly withdrawals, inflation and portfolio drawdown — across decades, with realistic assumptions.
Include life events
Home purchase, kids, sabbatical, job change or part-time — all events flow directly into your freedom calculation.
Keep your freedom goal current
Assumptions change. Planora updates your freedom date live — every time you adjust something.
Financial planning needs trust
Important notice: Planora is a planning tool. Not investment advice, not buy recommendations, no bank access required.
Built out of a desire for clarity
"I didn’t just want to know how much wealth I have today. I wanted to understand when work becomes optional — and which decisions move that date. That’s why I built Planora."
Find out when you are financially free
Build your first Financial Freedom scenario and understand which levers really impact your freedom.
14-day Pro trial · No credit card required