Freedom Number Calculator

We’ve added values to help you better see the live results. Replace or confirm each one and see your results change live.

Tap each blue field — even to keep our number — and it turns white once it's yours.14 to go

Personal Freedom Numbers

Desired Annual Pretax Income?

Passive Spendable Income?

Withdrawal Rate Multiplier?

A lower rate is more conservative and requires a larger investment portfolio.

Current Investment Portfolio?

Personal Debt to Payoff (non Mortgage)?

Deal costs — most owners keep our suggestions

Business Ownership %?

Business Debt?

Estimated Professional Fees as a %?

Estimate Taxes as a %?

Business Metrics & Targets

Current Annual Revenue?

Current Annual EBITDA?

Expected Years to Hit Expectations?

Expected EBITDA Multiple?

The expected sale value for each dollar of EBITDA—for example, 7 means a 7× multiple.

Expected Profit Margin?

Your target EBITDA as a percentage of practice revenue at the time of sale.

Watch Your Results Live:

14 of 14 numbers still show our suggested values — swap in yours (or just confirm) and watch every result change.

Wealth Analysis

New Investment Income Required?How much MORE annual income you need beyond your passive income to reach your desired lifestyle — desired income minus what passive income already covers.

$200,000

Required Portfolio?The TOTAL investment portfolio you need at exit to fund your FULL desired income at your chosen withdrawal rate — it does not count on passive income lasting. Your current portfolio counts toward it; the Wealth Gap is what's left to build.

$5,000,000

Wealth Gap?The difference between the portfolio you need and the one you have today. This is the hole your practice sale has to fill.

$4,000,000

Net Proceeds Needed?What you must personally clear from the sale — adjusted for your share of ownership and after paying off business debt.

$4,050,000

Freedom Gap Analysis

Sale Minimum Required?The gross price your practice must sell for so that what's left — after fees and taxes — covers your wealth gap and debts.

$5,328,947

Gross sale price needed — after fees, taxes & debt

Current Business Projection?What your practice is worth today if you sold right now: current EBITDA times the multiple you expect at exit.

$1,750,000

EBITDA × 7x — where you'd land if nothing changes

Shortfall?How far below your sale minimum today's practice value falls. The Bridge to Freedom below shows what has to change to close it.

$3,578,947

Projection is 67.2% below target — see Bridge below

Current Business Valuation

EBITDA Based Valuation Range?What your practice could sell for today, valued at 5x to 9x your current EBITDA — the typical range most practices sell within.

$1,250,000 – $2,250,000

Revenue Based Valuation Range?What your practice could sell for today, valued at 60% to 100% of your annual collections.

$900,000 – $1,500,000

Current EBITDA Based Profit Margin?Your current EBITDA as a percentage of collections. Buyers use this to judge how efficiently your practice runs.

16.7%

Bridge to Freedom

Target Business Value?The sale price you need at exit to hit your freedom number — measured before fees, taxes and debt are paid out.

$5,328,947

Must reach this sale price in 3 years

Target EBITDA at Exit?The EBITDA your practice must produce at exit to command your target sale price at your expected multiple.

$761,278

$5,328,947 ÷ 7x multiple — need $511,278 more EBITDA

Target Revenue at Exit?The annual collections needed to generate your target EBITDA at your target profit margin.

$3,625,134

$761,278 ÷ 21% margin

Required CAGR?How fast your revenue must grow every year to reach your target by your exit date. Anything over roughly 15% a year is a stretch for most practices.

34.2%

Very aggressive — most practices can't sustain this pace

Adjust Expected Years, EBITDA Multiple, or Profit Margin in Step 1 to explore scenarios that close your freedom gap.

14 fields still show our suggested values — confirm or replace them anytime

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