One of the key issues with retiring is the question of outliving your money. This is also known as **Longevity Risk** and is especially important if you want to retire early, since your retirement could be 50 years long (or more). This interactive calculation and visualization looks at the question of whether your retirement savings can last long enough to support your retirement spending and combines it with average US life expectancy values to get a fuller picture of the likelihood of running out of money before you die.

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Disculpe(n) mi pobre español. Utilicé google translate para escribir esto en español.

Aquí está la calculadora que calculará cuánto tiempo lleva contar un millón (o números mayores) en español.

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This is an update to the **Financial Freedom Calculator**. That one still works well, but this version adds the ability to add multiple savings amounts representing different periods in time. This allows you to visualize your progress towards financial freedom rather than just giving you the latest value for your freedom date. It does so by showing different colors for the different periods (you specify them by adding different savings amounts and names). It should be fairly obvious looking at the calculator, but if you had a total of 25000 in savings in 2016 and 70000 in 2017, then your calculator is colored in two sections representing the freedom days you had achieved in the two different years.

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There was lots of interest in the calculator to estimate counting time (in English) to one million, one billion and up to one trillion. I decided to do the same for other popular languages (Spanish). Here is the calculator that will calculate how long it takes to count to one million (or larger numbers) in Spanish.

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My son likes large numbers (like septillion, googol and googolplex) and once asked me how long it would take to count to septillion (which is 1 followed by 24 zeros). I told him it would take longer than the age of the universe to do that, so he started working his way down. He asked me about counting to one million. I did a little math (assuming one number per second) and got about 11-12 days . . . but then thought, the large numbers (like 658,243) take more than a second to say.

Looked on the web a little to see if anyone else had done a more sophisticated calculation. Lots of calculations were like my own (assuming one number per second). Others acknowledge that it would take longer for large numbers and made assumptions about what that would be. But nothing definitive, so I thought I’d make one. This counting calculator is * based on the number of syllables* in every number and counts all the syllables you’d have to pronounce in order to count from one to one million (or other numbers).

The goal of the freedom calculator is to let you know how close to financial independence (i.e. freedom) you are, measuring your progress in terms of *freedom days. *The key determinants for retirement are ** total retirement savings** and

*Freedom days* refers to the number of days that your retirement savings could sustain you (without working) each year (indefinitely) at your current spending level. Once you reach 365 *freedom days* per year, you’ve got enough money saved up to never have to work again. The *freedom date* then tells you the date through which your retirement savings would support you each year. For example, if you have 100 *freedom days* then your spending could be covered through April 10th, each year.

How close are you to 365 “freedom days”?

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