Get a serious estimate in about thirty minutes, from a tool built by someone who actually retired. Then spend the evening testing what would move it.
The age at which work becomes a choice — a back-of-envelope estimate in six questions.
All in your browser. The numbers you enter never leave it. Your inputs are remembered locally so you can come back to them; clear them any time.
Illustrative model output, not financial advice. Sensitive to your inputs and ETQ's default assumptions. See limitations.
A first pass. Add your partner, property and rental income, debts and major future events, market scenarios and reserve goals next, and the answer sharpens.
A year-by-year picture of the rest of your financial life — cash, assets and net worth to end of life, recalculating live with every figure you change.
What you can model
Questions it can answer
Illustrative projections, not financial advice. Free, no account, all in your browser.
"How much do I need to retire?" usually gets you a rule of thumb: twenty-five times your spending, the 4% rule, one big number. ETQ runs the real year-by-year projection instead — the question everyone chasing financial independence (FIRE) is actually asking, answered without the guesswork.
ETQ was built by a former management consultant and corporate CFO, who retired at 53 and has not gone back.
He wanted a model that reflects real life, not rules of thumb. He could not find one that met the standard, so he built a sophisticated Excel model himself, now the engine behind this tool.
Most early retirement content is produced by people who have not had to live with their own advice. This tool reflects the perspective of someone who has already made the decision, tested the numbers against his own retirement, and acted on them.
It is designed for people with demanding careers who want a full life projection, grounded in real cash flow and net worth dynamics, to know when work becomes optional, and how much sooner that could be.
Read the guide: how much do you really need to retire early? →
ETQ is not authorised or regulated as a financial adviser, investment firm, pension adviser, credit intermediary, or insurer in any jurisdiction, and it does not give regulated financial advice or personal recommendations.
Whether you find spreadsheets soothing or soul-destroying, start where you like.
Six inputs. Get an approximate retirement age. Enough to tell you whether this is a conversation worth continuing.
A guided walkthrough — one question at a time uncovering all income, expenses, assets, commitments, sales and scenarios that could impact your retirement. No jargon, no friction.
Every input and assumption in front of you — projections, timelines and scenario comparison to end of life, updating live as you type. Full control from the first field.
No sign-up. No account. Your numbers never leave your browser.
We build wealth for freedom, then forget to be free.
Start where you like — thirty seconds, a guided walkthrough, or the full calculator.
Find your number →