9 to Free

9 to Free is the no-jargon financial independence tracker for people who want to escape the 9-to-5 — without needing a finance degree to do it. Enter your expenses and current investments/portfolio, and 9 to Free instantly calculates your FI number — the amount you need invested to live off your portfolio forever. Then track your progress month by month as you close the gap. WHAT YOU GET FI Progress Dashboard A clean progress ring shows exactly how far you've come. See your FI number, years remaining, portfolio value, and projected FI year at a glance. Smart Calculations - FI Number: based on your expenses and chosen withdrawal rate (3-5%) - Years to FI: projected at 7% annual return - Coast FI: the amount needed today to retire at 65 without another contribution - Monthly Passive Income: what your portfolio pays if you retired right now - Savings Rate: automatically calculated from your income and investment data Portfolio History Log your portfolio value each month and watch your wealth grow over time on a clean chart. Freedom Badges and Milestones Earn badges as you hit milestones — $10k, $50k, $100k, and beyond. Celebrate every step forward, not just the finish line. What If...? Planner Model different scenarios: what if you invested more? What if you retired earlier? Play with the numbers and see how your choices ripple through time. Monthly Reminders Turn on a monthly nudge to keep your portfolio updated. Consistent tracking is the single biggest predictor of reaching FI. Multi-Currency Supports USD, EUR, GBP, CAD, AUD, INR, JPY, and CHF. 100% Private All your data lives on your device. Nothing is sent to any server, ever. WHO IT'S FOR 9 to Free is for anyone on the path to financial independence — whether you're just starting out with your first $1,000 or already halfway to your number. No ads, no subscriptions required to use the core tracker. A NOTE 9 to Free is an educational tool, not financial advice. All projections are estimates based on simplified models and do not account for taxes, inflation, or market volatility. Always consult a qualified financial adviser before making significant financial decisions.