Why local-only
This question is too personal to turn into another account. The calculator runs in the browser, so your spend, income, growth, and inflation guesses stay in the tab.
What we don't do
No account creation. No portfolio stored on a server. No ad pixels, analytics bundle, or hidden sync service. If you share your freedom time with someone, the numbers are encrypted in your browser before the link is generated — nothing is stored anywhere.
What we do
If you use Bitcoin mode, the calculator can fetch a live BTC price. The rest is plain site plumbing: images, fonts, manifest, service worker, and the open web files crawlers expect.
How to verify
Open developer tools, watch the Network tab, and inspect the source. The project is MIT licensed, so the privacy claim is something you can check instead of politely believing.
Quiet by default.
Most online retirement calculators make you trade convenience for custody of your assumptions. Freedom Clock keeps the useful part and leaves out the account.
| Capability | Freedom Clock | Typical cloud calculator |
|---|---|---|
| Account required | No | Often |
| Financial inputs stored server-side | No | Often unclear |
| Bitcoin-aware spend models | Sell, borrow, borrow-then-sell | Usually no |
| Source code | Open source, MIT | Usually closed |