Free Interactive Tool

The Enough
Number Calculator

The most important number nobody calculates. Not "how do I get more?" — but "how much is actually enough?" The wealth that funds the life you want, for good.

Your Enough Number

"Give me neither poverty nor riches, but give me only my daily bread." — Proverbs 30:8

Freedom By
—
Step 1 · Define what "enough" means for you
£
Your "daily bread" — housing, food, transport, utilities, insurance, health. Survival and stability.
£
The extras that genuinely add joy — travel, hobbies, eating out, gifts. Enough, not endless.
£
Generosity built into "enough" — the open hand is part of a life well lived.
Step 2 · Where you are today
£
Pensions, index funds, ISAs/IRAs — money already working. Not your home or emergency cash.
£
What you add to those investments each month, on average.
%
After inflation. ~5% is a common long-term assumption for a global index fund (7% growth minus ~2% inflation).
4% — the classic rule: withdraw 4% of your portfolio a year and it should last indefinitely. Lower is safer.
Your Enough — Per Year
—
The cost of your enough life, annually
Your Freedom Number
—
Invested, this funds that life for good
Your daily bread —
0% of the way to enough—
—Still to Build
—Years to Enough
—The Year You're Free
—Monthly Income It Pays

The Coast Point

How your Freedom Number shifts with the withdrawal rate
Withdrawal rateFreedom NumberWhat it means

The 4% rule and its variants are long-studied guidelines, not guarantees — real markets, taxes, and lifespans vary. "Real return" already accounts for inflation, so figures are in today's money. This is education, not financial advice; consult a qualified adviser before making decisions.

"Give me neither poverty nor riches, but give me only my daily bread. Otherwise, I may have too much… or I may become poor and steal."

— Proverbs 30:8–9 (NIV) · The prayer for enough
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