Aegis Freedom

Financial independence in three tiers — Survival, Comfort, Luxury.

EUR defaults, 4% SWR with compounding, and a clear inversion point when your passive income overtakes contributions.

Inputs

Current assets (€)

EUR

SWR (%)

Annual income (€)

EUR

Reinvest % of income

Contribution override (annual, optional)

EUR

Horizon (years)

Freedom tiers

Survival€1,000

Comfort€2,500

Luxury€5,000

Annual Passive Income vs ExpensesAvailable: €4,000 / yr

Survival Target: €12,000/yr€4,000 covered (33%)

Comfort Target: €30,000/yr€4,000 covered (13%)

Luxury Target: €60,000/yr€4,000 covered (7%)

Backpacker's perspective: A €10k trip would normally last 10.0 months at your Survival spend rate. Thanks to your assets generating €333/mo, the trip stretches to 15.0 months—giving you an extra 5.0 months of adventure!

Effort vs Momentum

Survival: Year 16Comfort: Not yetLuxury: Not yet