Add your income streams, properties, and investments. Years to Freedom runs the numbers — showing exactly when you can retire and which strategy gets you there fastest.
1 property free forever · No spreadsheets required
No financial advisor needed. Just your real numbers.
Income streams (salary, bonus, side income), properties with mortgage details, and investment accounts. Takes 5 minutes.
See 5 strategies from max-invest to max-paydown. Drag the slider to find your custom sweet spot.
Watch your net worth grow year by year. Years to Freedom tells you exactly when your passive income covers your lifestyle.
Built for real estate investors and high earners who want to retire earlier.
Primary home, rentals, vacation properties — model them all with accurate amortization.
From 100% index funds to 100% mortgage paydown. See which one builds wealth fastest.
Drag to find your personal invest vs. paydown balance. Results update instantly.
See net worth, property balances, and passive income for every year of your horizon.
Current vs. paid-off cash flow, payoff dates using avalanche method.
Set your monthly income target and track progress across all scenarios.
Start free. Upgrade when you're ready for more properties.
Perfect for getting started
For serious real estate investors
or $39/yr — save 35%
“Finally found out that paying down my rental faster actually beats investing more at my current rate. Would never have figured that out on my own.”
Real estate investor, TX
“I use this every time I get a raise or add a property. It's the only retirement tool that handles real estate + stocks together.”
Engineer & landlord, CA
“The custom slider is what got me — I could see exactly how each extra $500/month changes my retirement date. Game changer.”
Software dev, WA
Start with 1 property, free forever. Add more when you’re ready.
Build my retirement plan