How much freedom does
your money buy?
Brightyear.io is not a retirement calculator. It is a Financial Freedom Decision Engine built to help you model major life changes like quitting a job, taking a sabbatical, switching careers, or working part-time. See how much optionality you have today and plan your future with confidence.
Calculate your scoreTest major life decisions before making them.
Wondering if you can afford to quit your job, take a sabbatical, or start a business? The Brightyear.io Life Change Simulator lets you model scenarios in seconds so you can see exactly how they affect your freedom timeline.
Stop stressing over spreadsheets. Shift your savings, adjust spending levels, and watch your milestones update in real time.
Try the simulatorWe are not a retirement calculator.
Traditional financial software focuses on planning for age 65. Brightyear.io is built for life design and optionality today.
Traditional Calculators
- Fixates on the age 65 finish line
- Obsesses over a single, rigid net worth number
- Budgeting that feels like a constant restriction
- Leads to analysis paralysis and decision fear
The Brightyear.io Way
- Focuses on how much freedom you have today
- Models flexible life pivots (sabbaticals, part-time work)
- Optimizes your spending for maximum optionality
- Provides clarity to make confident career pivots
Take control of your path to financial freedom.
Freedom Score
Calculate your personalized Freedom Score based on your assets, spending, and savings, and find out where you stand on the path to financial independence.
Life Simulator
Model major life decisions. Instantly see the financial impact of quitting a job, taking a sabbatical, switching careers, or starting a business.
Freedom Roadmap
Map out your future with milestones like Coast FIRE, part-time viability, and full financial independence. Turn projections into motivating life milestones.
Decision Clarity
Overcome analysis paralysis. Brightyear.io gives you the confidence and clarity to make big life changes without the fear of running out of money.
From the blog
Principles of Frugality – The 9 Rules to Smarter Saving
When seeking to improve our finances, we often focus on the question of how to earn more money. Simply earning money is not enough though ...
Read more
The Career Cube - How to Choose the Right Career for You
Choosing the correct career path for yourself is a big deal. As you know, selecting the wrong career for yourself can be very costly...
Read more
7 Books to Help You Live a More Effective Life
Living a happy and successful life doesn't happen overnight. As much as we all want to fast-track it, we still need to put in the work ...
Read more