Calculadora de Liberdade Financeira
Descubra o capital necessario com a regra dos 4%. Informe suas despesas mensais e poupanca para ver o objetivo e seu progresso. Tudo acontece no navegador.
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Rent, food, insurance, subscriptions everything you spend per month
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Conservative: 4% (default), Moderate: 6-8%, Aggressive: 10%+
Advanced Settings
Historical US average is ~3%. Adjusts your target upward to maintain purchasing power.
S&P 500 historical average is ~10% nominal, ~7% after inflation.
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How much you invest per month toward your freedom number.
Lifestyle creep or expected expense increases beyond inflation. 0 = expenses stay flat.
💰 Your Freedom Number
Disclaimer: This calculator provides estimates for educational purposes only. Actual results depend on market conditions, tax implications, healthcare costs, and other personal factors. The safe withdrawal rate and investment growth are not guaranteed. Consult a certified financial planner before making major financial decisions.
Por que a regra dos 4%
A regra dos 4% estima um saque anual sustentavel. Formula: Despesa anual ÷ 0.04 = Patrimonio alvo.
Reduzir despesas mensais diminui muito o capital necessario.