See when work becomes a choice.

Stoke is a personal finance app that estimates when your investments could cover your living costs. See how the money you save and spend changes that date.

See when work could become optional

Free estimate · about a minute · no signup · connected app coming soon

Work could become optional in about
9–10years
Around 2035–37, when you’re 43 or 44.
Example: 34, $735k invested, $70k a year spending, $60k a year invested.

See how your choices move the date.

Stoke shows when you could live without a paycheck, with the saving and spending behind the estimate.

FreedomWealthSpendingTransactionsReview26 accounts currentJW
Estimated date
May 2035
At age 42, with these example numbers.
Projected 8 months sooner than the Oct 1 estimate
$0$1M$2M2026203020342038FI number $1.75MMay 2035
What changed since Oct 1
Example changeInvested each month$4,500 → $5,000
Example changeSpent each year$70,900 → $70,000
AssumptionsWithdrawal rate, returnunchanged
CoverageAccounts countedsame 6
Adding an account can change the estimate. That isn’t the same as saving more.

What you’d need invested to cover each bill.

See the savings behind each monthly cost. You decide what’s worth keeping.

Example billsMonthlySavings needed
Ongoing$296$88,800
Meal kit
$96/month →
$28,800
Invested to keep paying this bill in retirement.

Example assumes a 4% yearly withdrawal.

How is this calculated?

$96 × 12 ÷ 0.04. Assumes you keep this bill in retirement. Taxes and investment returns can change what you need.

Example month

Your finances change. Your estimate should too.

Connect your accounts and Stoke keeps your balances, spending and savings updated. Confirm a transfer or a changed bill when it needs your help.

6
accounts synced and current
9
recurring costs tracked for you
0
spreadsheet updates
2
questions in Review
Review · Transfer or spending?

Checking → Brokerage: $2,500 a month. Is this a transfer?

In this example, a transfer keeps the estimate at May 2035. If treated as spending, it moves to December 2043, 8 years 7 months later.

Review · Price change

Your gym went from $65 to $89 a month. Keep tracking it at $89?

If this price continues, that needs about $7,200 more invested at 4% withdrawal.

Answer once. Stoke remembers.

Free, no account

Explore your financial freedom

Try the free calculators to see when you could live without a paycheck, how much you’d need, and what to consider along the way.

Latest guides
All guidesSee all Stoke planning tools

Read-only access

Stoke can see your balances and transactions. It can’t move money, and it never sees your bank password.

Your data isn’t for sale

We don’t sell it or use it for ads.

You can see the math

Your return rate, withdrawal rate and every other assumption are shown, and you can change any of them.

An estimate, not a promise

Future returns and spending can differ from your assumptions. Change them and the estimate changes.

See when you could live without a paycheck.

The free calculator is ready now. Join the waitlist for a personal finance app that keeps your estimate updated as your finances change.

See when work could become optional

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Example figures throughout · Not investment advice