Quantic for FIRE investors
A projection with three capital pools, inflation and an adaptive drawdown — and levers you can move to see what actually changes the date.
Financial independence is one arithmetic question asked repeatedly: given what you have, what you add and what it earns, when does the income cover the spending? The value is not in the answer but in watching which lever moves it.
Path to Freedom models three pools separately — dividend-paying holdings, interest-bearing savings and a growth pool that compounds without distributing — because they behave differently, and drawing the growth pool down first is not the same plan as living off dividends. It applies inflation, caps withdrawals at a safe rate, and adapts the drawdown rather than assuming a fixed percentage forever. The levers are live: change your contribution or your expected return and the date moves while you watch. Milestones mark the thresholds along the way.
It is a projection, not a prediction. It compounds the rates you give it and cannot know future returns, tax changes, or what you will actually spend in twenty years. Treat a change in the date as information about your assumptions, not about your future.
How to start
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1
Enter your annual expenses and monthly contribution — the two inputs that dominate everything else.
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2
Move the expected-return lever between pessimistic and optimistic and watch how much the date shifts.
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3
Compare the dividend-only path with the growth-pool path before deciding which portfolio you want.
Key terms
- Path to freedom
- Quantic's projection of when your dividend income could cover your living costs — your dividend-FIRE date.
- DRIP
- Dividend reinvestment: automatically using each dividend to buy more shares, compounding your income over time.
- Income smoothing
- Choosing holdings so your dividends arrive evenly through the year rather than in a few big months. Most companies pay quarterly on one of three cycles, so a portfolio built without watching the calendar tends to collect heavily in March, June, September and December and very little in between — which matters if you're spending the income rather than reinvesting it.
- Yield on cost
- Your annual dividends from a holding divided by what you originally paid for it — so a growing payout keeps lifting your yield on cost even as the share price climbs.
Quantic · Free
Try it with your own portfolio
Every guide above describes the free tier. Create an account and import your broker statement, or explore a sample portfolio first — no signup needed.
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