Tools · F-You Money
How much freedom does your money buy?
"F-You money" isn't retirement — it's the cushion that lets you say no. Enough to walk out of a bad job, sit out a bad market, or take the risky bet without fear. Here's exactly how much freedom you're holding, and the number that makes it permanent.
Your freedom runway
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What different levels of freedom cost
A freedom gauge, not a retirement plan. The "permanent" number assumes your stash is invested and you live off withdrawals — markets vary. Education, not financial advice.
Frequently asked questions
What is "F-You Money"?
Enough savings to walk away from a job, a boss or a bad situation without fear — typically one to two years of expenses. It's less than full retirement, but enough to change how you're treated.
How much is F-You Money?
No fixed figure, but a common benchmark is 1–2 years of full living expenses in accessible savings. The calculator sizes it from your real monthly burn so the number reflects your life, not a generic rule.
Is F-You Money the same as FIRE?
No. FIRE means never working again; F-You Money just means you can leave any specific job without panic. It's a smaller, faster milestone — and often the one that actually changes your daily life.
How do I build F-You Money fast?
Cut your burn, automate aggressive saving, and keep the fund liquid and separate so you're not tempted to spend it. The lower your expenses, the smaller the number — and the sooner you're free.