For you
One thing to cut, right now.
The For You feed ranks possible cuts by estimated monthly dollar impact from the statements stored in this browser, then shows one recommendation at a time, biggest first.
The For You feed needs transaction rows before it can rank anything. Import a bank CSV, paste compatible rows, or load the clearly marked example data below to begin.
Import statements ↓Your Ledger A
Rockefeller tracked every penny in a red book he called Ledger A, before he had a dollar to his name. This is yours. Import a CSV from your bank, or from the convert.py pipeline. Everything is stored only in this browser. Chase and Discover, spending, budget, earn & burn — all in one place.
AI spend coach
The AI spend coach reads every imported statement at once and ranks what to minimize by estimated dollar impact against your burn rate. Only a spending summary with categories and amounts, not account numbers, is sent for optional AI analysis.
The AI spend coach needs imported transaction rows before it can calculate your burn rate or request recommendations. Use the Ledger A section above, then return here.
Your rank
The rank card uses imported income and saved balance data to place you on the same financial ladder that moneymeta.fun uses on the offense side. Import statements below to calculate the result locally.
Years left
52
624 months
Freedom number (liquid)
$1,248,000
savings needed to coast
Freedom number (invested)
$600,000
using the 4% rule
Your Milestones
The milestone tracker stores your selected baby step in this browser. Choose the step that reflects your current position, and return later to move the marker forward.
Biweekly Snapshot
A biweekly snapshot records income, expenses, assets, debt, and notes in this browser so you can compare net worth over time without connecting an account.
Monthly surplus: $0
Net worth: $0
Founding lifetime license
The founding plan is a one-time $19 license for lifetime access to everything deathmoney.fyi becomes; the calculator itself remains free while the product is in beta.
$19 once, forever
- ✓Lifetime access to everything this becomes
- ✓AI statement analysis, locked in when it gates
- ✓Updates forever
- ✓A yearly review reminder so your plan never goes stale.
The current guarantee is specific: if the plan misses an asset class you own, contact Adam and request your money back. No broader performance or financial-outcome guarantee is offered.
Frequently asked questions
The answers below explain the calculator’s two freedom numbers, the 4% rule, the die-with-zero approach, current beta access, and how your inputs are handled.
What is a financial freedom number?+
Your financial freedom number is the amount of money that makes work optional. This calculator gives you two versions: a liquid number, which is your monthly burn rate times the months you have left, and an invested number based on the 4% rule.
How much money do I need to never work again?+
The amount you need depends on your spending, not your income. If you spend $2,000 a month, the 4% rule says you need about $600,000 invested, and the die with zero approach needs your monthly burn times the months remaining in your life. Plug your own burn rate into the calculator above to get your real number.
How is my freedom number calculated?+
The liquid number multiplies your monthly burn rate by the months between your age and estimated lifespan, so the money runs out exactly when you do. The invested number divides your annual spending by 4%, the classic safe withdrawal rate. All of the math runs in your browser.
What is a die with zero calculator?+
A die with zero calculator estimates how much money you need to cover spending until your chosen lifespan, ending at zero instead of preserving a nest egg forever. That is the liquid freedom number shown above. The idea comes from Bill Perkins' book Die With Zero.
Is this calculator free?+
Yes. The calculator is free while in beta, with no account required, and your data stays in your browser. A $19 founding lifetime license locks in access to everything the product becomes.
Is this the same as a retirement calculator?+
Close, but simpler. Most retirement calculators aim you at age 65 and a nest egg you never touch, while this one shows how much money you need to retire on your own timeline, whether that means coasting on savings or living off the 4% rule.