Income, assets, debt, and the hours you're trading for it. One ratio. A precise, unflattering answer to the question most high earners avoid: if you stopped working tomorrow, how much of your life would keep standing on its own?
No account, no email required to see your number. Seven figures — answered honestly, not optimistically.
Your current base income from employment, before taxes. Enter 0 if not applicable.
Income from a business you're actively involved in running — the kind that stops if you stop showing up. Enter 0 if not applicable.
Total value of stocks, bonds, retirement accounts, and other investment holdings.
Total market value of real estate you own — primary residence and any investment properties.
Mortgages, loans, and other outstanding balances — everything you currently owe.
Dividends, interest, rental income after expenses, royalties — money that already arrives without your active work. Enter 0 if none yet.
Roughly how many hours a week you have to work to keep your income coming in.
Nothing is saved unless you choose to continue to the full Pälymorf Score.
Approximately 0% of your lifestyle still depends on your labor.
Money is only one component of freedom. See your full picture — Time, Wealth, Identity, Systems, and Relationships — with your free Pälymorf Score.
Get my Pälymorf Score →