🐀 Rat Race Calculator

How close are you to financial freedom? Enter your numbers to find out.

Income from assets: rental, dividends, business, royalties
All monthly expenses: rent, food, bills, debt payments, etc.
0%
Enter your numbers above

Want to track this over time with charts and cloud sync?

Track Free with My Cashflow Sheet →

What Do the Numbers Mean?

🐀 0-25%

Deep in the Rat Race. Focus on reducing expenses and starting to invest.

🏃 25-50%

Making progress. Your assets are generating meaningful income.

🚀 50-99%

Almost there! Your passive income covers more than half your expenses.

🎉 100%+

Financial Freedom! Your passive income exceeds all expenses.

How to Improve Your Score

  1. Track your expenses — know exactly where your money goes
  2. Cut unnecessary spending — lower expenses = easier target
  3. Save aggressively — build capital to invest
  4. Buy income-generating assets — real estate, index funds, businesses
  5. Reinvest returns — compound growth accelerates freedom
  6. Track monthly — what gets measured gets managed