Life as a Project — Field Study N°02

Financial Freedom
Calculator

find your financial freedom number

Every project needs a clear milestone. In life design, your financial freedom number is yours — the exact amount that lets you stop trading time for money, and start living on your own terms.

By Weanne Chu · weannechu.com
Step 1 — Your Ideal Life
₱
What does your ideal life actually cost per month? Include housing, food, transport, health, travel, leisure — everything. Dream honestly.
Using a different currency? Change the symbol here (e.g. $, €, £). It won't affect the calculations — just the display.
Step 2 — Your Timeline
yrs
yrs
The age you want to have the option to stop trading time for money. This doesn't mean you stop working — it means you won't have to.
yrs
How long do you want your financial freedom to last? 85 is a conservative default. Adjust based on your family history and goals.
₱
Already have investments working for you? Enter the current value here — it reduces how much more you need to build.
Step 3 — Investment Assumptions

Philippine context defaults are pre-set below. These reflect a moderate diversified portfolio (VUL, mutual funds, REITs, index funds). The number and the slider in each box are the same value — move either one. A licensed financial advisor can help you personalize these for your specific situation.

01 — Inflation
% /yr
1% 10%
How much your living costs will increase each year. Philippine average inflation is 3–5%. We use 4% as a moderate default.
02 — Building Phase
% /yr
1% 20%
Expected annual return on your investments while you're still saving and growing your fund. 6% is a moderate, diversified PH portfolio assumption. 8% would already be a balanced-growth, moderately aggressive allocation (equity-heavy funds + REITs) — adjust upward if that better fits your actual strategy.
03 — Freedom Phase
% /yr
1% 15%
Expected return after you reach financial freedom, when your portfolio shifts to a more conservative, income-focused strategy. 5% is a standard assumption for this phase.
04 — Contribution Growth
% /yr
1% 20%
For the "growing contributions" pathway — how much you'll increase your annual savings each year as your income grows. Matches your expected salary growth rate.

These defaults are a starting point, not a financial plan. As a licensed financial advisor, I can help you personalize these assumptions based on your actual portfolio, risk tolerance, and income trajectory. For financial planning inquiries: lawreanne.e.sanico@sunlife.com.ph · For general inquiries: hello@weannechu.com.

Your Financial Freedom Number
To live your ideal life, you need to build toward:
₱0

This number might feel big — that's okay. The point isn't to feel overwhelmed. The point is to finally have a target. Projects always move faster once you know what you're building toward.
Years to Freedom
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Freedom Duration
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Monthly Cost at Freedom
—
Year 1, inflation-adjusted
Total Lifetime Cost
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Without Inflation (Simplified)
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Your Full Report

Every project has more than one route to the milestone. Your full report breaks down three pathways to get there — lump sum, fixed contributions, and growing contributions — plus your personal contribution schedule and the complete year-by-year projection. Enter your email below to unlock it instantly, and we'll send a copy straight to your inbox.

Lump Sum Today
One-time investment
—
Fixed Annual Contributions
Most common
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Growing Contributions
Start small, scale up
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Year Age Annual Contribution Monthly Equivalent

Not sure which pathway fits your situation? That's exactly the kind of conversation I'm here for. As a licensed financial advisor, I can help you build a plan around your number — one that actually fits your life. For financial planning inquiries: lawreanne.e.sanico@sunlife.com.ph.

Full Year-by-Year Projection

See exactly how your portfolio grows during the building phase — and how it sustains you through the freedom phase. The highlighted row marks the moment you cross your milestone.

Age Year Phase Annual Investment Portfolio Balance Annual Expenses
Your Full Report Is Ready

See exactly how to get there

  • All three pathways — lump sum, fixed, and growing contributions
  • Your personal contribution schedule
  • The complete year-by-year wealth projection

We'll email you a copy instantly, and add you to occasional notes on money and systems — no spam, unsubscribe anytime.

Life as a Project — Financial Freedom Calculator
My Financial Freedom Number
₱0
This number might feel big — that's okay. The point isn't to feel overwhelmed. The point is to finally have a target. Projects always move faster once you know what you're building toward.
Lawreanne "Weanne" Sanico Chu, PMP
Licensed Financial Advisor · Systems Strategist
Authorized by the IC to act as an Insurance Agent
Authorized by the SEC to act as Certified Investment Solicitor
Certified UITF Sales Person (Trust Officers Association of the Philippines)
As a licensed financial advisor, I can help you personalize these assumptions based on your actual portfolio, risk tolerance, and income trajectory.
hello@weannechu.com
lawreanne.e.sanico@sunlife.com.ph
weannechu.com