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Understanding Freedom Progress

How the freedom progress ring is calculated and what moves the needle.

How progress is calculated

Freedom Progress = (Total Monthly Cashflow ÷ Financial Freedom Number) × 100

For example: if your monthly cashflow is $2,400 and your freedom number is $8,000, your progress is 30%.

What counts as cashflow

  • Net cashflow from all active investments (after expenses and debt payments)
  • Does not include your salary or earned income — only passive sources
  • Split payments and velocity banking deductions are subtracted automatically

What moves the needle

| Action | Effect |

|---|---|

| Add a new cashflowing investment | Increases cashflow, ring goes up |

| Pay off a debt | Frees up cashflow |

| Increase IBC premium | Does not directly affect cashflow (grows cash value for future borrowing) |

| Increase your Freedom Number | Ring percentage drops (raises the bar) |

The Freedom Date estimate

VestmentPulse projects your freedom date by extrapolating your cashflow growth rate over the past few months. It's an estimate — the actual date depends on investment returns and new assets added.