Updated 22 October 2026

About Cognivo

Explore how investment contributions, living expenses and assumptions change an illustrative financial-independence timeline.

Why this tool exists

Cognivo is an independent, Australian-first website built around a practical decision. Its current tools are free and run in your browser, without an account or paid subscription.

How we present information

We explain assumptions beside the result and label example data. The original tool and accompanying guide describe what is calculated and where an estimate stops being useful. We link to relevant source material rather than claiming those organisations endorse this site.

Limits and commercial relationships

The Freedom Clock uses a constant-return model. It does not model tax, super access, pensions, investment volatility or retirement sustainability. Its dates are illustrative scenarios, not personal financial advice.

We are preparing to support the website with advertising. Advertising is not active in this version. Any future paid placement or affiliate relationship will be disclosed where it appears.

Corrections

Spotted an incorrect specification, unclear assumption or calculation issue? Contact contact@cognivo.com.au with the page and a short description. A reproducible example using fictional data helps us investigate.