ffree
Start free
Free forever · no advisor required

How much is enough? There is an actual number.

Your Freedom Number is the capital whose income covers the life you want — for good. Work it out in about three minutes, see how far along you already are, and find out exactly what closes the gap.

Work out my numberSee how it works

Three minutes, then it is yours

No bank logins, no sales call, no email drip. You type what you have; ffree does the arithmetic and shows its working.

1

Say what your life costs

One figure — what the life you want costs a month, in today’s money. Everything else starts from Philippine defaults you can change.

2

List what you own and owe

Cash, investments, MP2, SSS, the house, the car loan, the cards. Two short lists, and the plan updates as you type.

3

See the gaps, and what closes them

Protection, retirement and expensive debt — each one with the assumptions on screen, so you can argue with the number instead of taking it on faith.

What you get

Your Freedom Number

The full figure and the Coast figure — the amount that would grow into it on its own if you stopped saving today.

A progress ring, not a lecture

How far along you are, how long the current pace takes, and the one or two moves that shift the date most.

Net worth that means something

Your house counts toward net worth but not toward the capital that can fund your life. ffree keeps the two apart, because conflating them is how people fool themselves.

Gaps with the maths shown

Every verdict opens up into the assumptions behind it. If you disagree with one, change it.

Your data stays yours

Nothing is shared with anyone unless you grant it, to one named advisor, revocable at any moment.

A human, only if you want one

When you do, you pick from ffide — advisors verified against the public Insurance Commission roster.

Questions people actually ask

What is a Freedom Number?
The amount you would need invested for the income it produces to cover the life you want — permanently, without you working. ffree works it out from what that life costs you a month and how much of your capital you would draw each year.
Is ffree really free?
Yes, and there is no upgrade to sell you. ffree charges consumers nothing, shows no prices and has no paid tier. Advisors pay for their own tools elsewhere in BP Labs; that has nothing to do with your plan.
Do I have to talk to an advisor?
No. ffree is built to be used entirely on your own. If you ever want a human, you choose one yourself from ffide — the directory of advisors verified against the public Insurance Commission roster.
Can an advisor see my numbers?
Only if you explicitly grant it, to one named advisor at a time, and you can withdraw it instantly. Connecting with an advisor does not share anything by itself — sharing is always a separate decision you make.
Do you connect to my bank?
No. You type what you have, and it takes a few minutes. Nothing is scraped, and no bank credential is ever asked for.

Find out where you actually stand.

Free, private, and yours to leave whenever you like.

Work out my number