Freedom Clock: Retire Faster
See When Work Becomes Optional
Free · In‑App Purchases
See when work could become optional and get clarity for your financial future by testing impacts of life events, like changing jobs or moving cities.
When could work become optional?
Freedom Clock helps you find your Freedom Date — the date your savings, investments, income, spending, and life choices could support the life you want.
Build a personal financial model in minutes, then test how different decisions could move your timeline closer or farther away.
Freedom Clock is more than a retirement calculator. It helps you model retirement, FIRE, life events, major purchases, moving abroad, and other decisions that could affect your path to financial freedom.
FIND YOUR FREEDOM DATE
Enter your income, savings, spending, debts, housing, dependents, location, and investment assumptions.
Freedom Clock projects your financial timeline and estimates when work could become optional based on your inputs.
TEST WHAT-IF SCENARIOS
See how major decisions could affect your timeline.
Try scenarios like:
• What if I save more each month?
• What if I buy a house?
• What if I have children?
• What if I change jobs?
• What if I buy a car?
• What if I move abroad?
• What if the market crashes?
Every scenario recalculates your Freedom Date so you can compare decisions more clearly.
EXPLORE 190+ COUNTRIES
See how living in another country could affect your financial freedom timeline.
Compare countries using estimates for:
• Cost of living
• Healthcare costs
• Taxes on retirement income
• Local currency assumptions
• Lifestyle and relocation factors
Explore countries like Portugal, Thailand, Mexico, Spain, Costa Rica, and more.
Generate country reports to better understand whether retiring abroad could be practical for your lifestyle and financial goals.
ASK THE AI COACH
Use the AI Coach to explore questions about your plan and model important decisions.
Ask questions like:
• “What if I buy a $450k house?”
• “What if I go back to school?”
• “What if I buy a car at 45?”
• “How much more would I need to save?”
• “What could move my Freedom Date closer?”
The AI Coach analyzes your plan inputs and generates educational insights and modeled scenarios.
LOG MONEY WINS
Small wins can compound.
Log financial improvements like:
• Getting a raise
• Starting a side hustle
• Reducing a bill
• Paying off debt
• Negotiating a better price
• Increasing monthly savings
Then see how each win could affect your Freedom Date.
STRESS TEST YOUR PLAN
Explore how your plan could respond to hypothetical shocks, including:
• Market downturns
• Job loss
• Unexpected expenses
• Healthcare cost changes
• Lower returns
• Higher inflation
See how resilient your timeline may be under different assumptions.
MODEL LIFE EVENTS
Add major life events to your plan, including:
• Children
• College tuition
• Elder care
• Home purchases
• Career changes
• Time away from work
• Large one-time expenses
Schedule them at specific ages and see how they could affect your financial freedom timeline.
PREMIUM FEATURES
Unlock deeper planning tools, including:
• Advanced AI Coach
• Deep decision tests
• Monthly retire-sooner insights
• Full Country Explorer with 190+ countries
• Detailed country reports
• Stress tests
• Unlimited life events
• Unlimited plan edits
• Net worth projections
• Scenario comparisons
• Exportable summary reports
Freedom Clock supports 160+ currencies and is available in English, Spanish, and German.
Freedom Clock is a planning and modeling tool for educational purposes only. It does not provide financial, tax, legal, investment, or retirement advice. Estimates depend on your inputs and assumptions about markets, inflation, taxes, expenses, healthcare costs, and other factors. Actual outcomes may differ. AI can make mistakes. Consult a qualified professional before making financial decisions.
Find your Freedom Date.
See when work could become optional.
Adjusted onboarding
The developer, Newron Robotics, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Location
- Contact Info
- User Content
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Newron Robotics, LLC
- Size
- 135.7 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 17.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- AI Unlock - Annual $9.99
- Freedom Clock: Full Calculator $9.99
- Freedom Clock - Basic Unlock $0.99
- Freedom Clock Premium $4.99
- Copyright
- © Newron Robotics, LLC