ข้อมูลของเรา
ทุกแผนเริ่มจากตัวเลขของประเทศของแผนนั้น ทั้งเงินเฟ้อ ผลตอบแทน ค่าใช้จ่ายทั่วไปของครัวเรือน และการเทียบกับครัวเรือนอื่น หน้านี้บอกว่าแต่ละตัวมาจากไหน คุณเปลี่ยนอัตราใดก็ได้ในแผนของคุณเอง
สหรัฐอเมริกา
23 จาก 54 ตัวเลข สืบย้อนไปถึงผู้เผยแพร่ที่ระบุชื่อได้
อัตราตั้งต้นของแผน
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Everyday inflation | Federal Reserve, Longer-run goal of 2% PCE inflation | วัดจากข้อมูลจริง | 2026 |
| School cost inflation | US Bureau of Labor Statistics, CPI-U elementary and high school tuition and fees (SEEB02), Dec 2015–Dec 2025 | คำนวณขึ้นเอง | 2025 |
| University cost inflation | US Bureau of Labor Statistics, CPI-U college tuition (SEEB01) and technical and business school tuition (SEEB04), Dec 2015–Dec 2025, weighted by relative importance (Dec 2025) | คำนวณขึ้นเอง | 2025 |
| Medical cost inflation | WTW, 2025 Best Practices in Healthcare Survey — US employer cost trend before plan changes | วัดจากข้อมูลจริง | 2025-09 |
| Income growth | US Bureau of Labor Statistics, Employment Cost Index, private wages and salaries (CIU2020000000000I), Q4 2015–Q4 2025 | คำนวณขึ้นเอง | 2025-12 |
| Return while you are working | Nivritee returns rule, Federal Reserve longer-run PCE objective, 2%; DMS, UBS Global Investment Returns Yearbook 2026, summary edition (1900–2025), p.7 | สมมติฐานของเรา | 2026-10 |
| Return after financial independence | Nivritee returns rule, Federal Reserve H.15 GS10 via FRED, mean Oct 2021–Sep 2026 | สมมติฐานของเรา | 2026-10 |
ค่าใช้จ่ายทั่วไป
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Extra utilities at home all day | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Groceries and household supplies | BLS Consumer Expenditure Survey 2024, two-person consumer units (annual ÷ 12) | คำนวณขึ้นเอง | 2024 |
| Utilities | BLS Consumer Expenditure Survey 2024, two-person consumer units (annual ÷ 12) — utilities, fuels & public services | คำนวณขึ้นเอง | 2024 |
| Transport | BLS Consumer Expenditure Survey 2024, two-person consumer units (annual ÷ 12) — transport excl. vehicle purchases | คำนวณขึ้นเอง | 2024 |
| Phone, internet and devices | BLS Consumer Expenditure Survey 2024, two-person consumer units (annual ÷ 12) | คำนวณขึ้นเอง | 2024 |
| Everything else | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Insurance premium or Medicare supplement | BLS Consumer Expenditure Survey 2024, two-person consumer units (annual ÷ 12) — health insurance | คำนวณขึ้นเอง | 2024 |
| Out-of-pocket maximum buffer | BLS Consumer Expenditure Survey 2024, two-person consumer units (annual ÷ 12) — out-of-pocket medical | คำนวณขึ้นเอง | 2024 |
| healthcare.recurring_treatment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Household help | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Childcare | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| School fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Tuition and coaching | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Higher education reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Personal care and clothing | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning and self-development | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Monthly subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Pets | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Regular medication | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Routine consultations | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Health check-ups and screening | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dependants’ health costs | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other household staff | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Extra-curricular fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Training and exams | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Property tax | US property tax is levied by county and varies more within the country than between most countries. The range spans typical state effective rates. | มีคำอธิบาย | — |
| HOA fee | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Repairs reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Home insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dining and entertainment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Hobbies and interests | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Gifts and giving | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Ordinary travel | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Major trips | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
การเทียบกับครัวเรือนอื่น
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Household wealth survey | Board of Governors of the Federal Reserve System, Survey of Consumer Finances 2025 — Changes in U.S. Family Finances from 2022 to 2025; historic Table 4, family net worth by selected characteristics | วัดจากข้อมูลจริง | 2025 |
| Tax on withdrawals | Internal Revenue Service, Topic no. 409, Capital gains and losses — long-term rates 0/15/20% | วัดจากข้อมูลจริง | 2025 |
ตัวเลขของฟรีดอม แลดเดอร์
เงินฝาก
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Typical deposit rate | FDIC national rate, 12-month deposit rate — FDIC national rate, 12-month CD, 21 Sep 2026 | วัดจากข้อมูลจริง | 2026 |
แคนาดา
23 จาก 54 ตัวเลข สืบย้อนไปถึงผู้เผยแพร่ที่ระบุชื่อได้
อัตราตั้งต้นของแผน
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Everyday inflation | Bank of Canada, Inflation-control target, 2% midpoint of 1–3% | วัดจากข้อมูลจริง | 2026 |
| School cost inflation | Statistics Canada, CPI Education (v41693496, Table 18-10-0005-01), 2015–2025 | คำนวณขึ้นเอง | 2025 |
| University cost inflation | Statistics Canada, CPI tuition fees (v41693497, Table 18-10-0005-01), 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Medical cost inflation | Aon, 2026 Global Medical Trend Rates report — Canada, gross | วัดจากข้อมูลจริง | 2025-10 |
| Income growth | Statistics Canada, SEPH average weekly earnings, all employees (Table 14-10-0204-01), 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Return while you are working | Nivritee returns rule, Bank of Canada target, midpoint of 1–3%; DMS, Credit Suisse Global Investment Returns Yearbook 2023, summary edition (1900–2022), Table 1, p.16 | สมมติฐานของเรา | 2026-10 |
| Return after financial independence | Nivritee returns rule, Bank of Canada Valet BD.CDN.10YR.DQ.YLD, mean Nov 2021–Oct 2026 | สมมติฐานของเรา | 2026-10 |
ค่าใช้จ่ายทั่วไป
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Extra utilities at home all day | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Groceries and household supplies | Statistics Canada, Survey of Household Spending 2023, Table 11-10-0224-01 (annual ÷ 12) | คำนวณขึ้นเอง | 2023 |
| Utilities | Statistics Canada, Survey of Household Spending 2023, Table 11-10-0224-01 (annual ÷ 12) | คำนวณขึ้นเอง | 2023 |
| Transport | Statistics Canada, Survey of Household Spending 2023, Table 11-10-0224-01 (annual ÷ 12) — transport excl. vehicle purchase and air | คำนวณขึ้นเอง | 2023 |
| Phone, internet and devices | Statistics Canada, Survey of Household Spending 2023, Table 11-10-0224-01 (annual ÷ 12) | คำนวณขึ้นเอง | 2023 |
| Everything else | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Supplementary cover | Statistics Canada, Survey of Household Spending 2023, Table 11-10-0224-01 (annual ÷ 12) — health premiums | คำนวณขึ้นเอง | 2023 |
| Out-of-pocket buffer | Statistics Canada, Survey of Household Spending 2023, Table 11-10-0224-01 (annual ÷ 12) — out-of-pocket health | คำนวณขึ้นเอง | 2023 |
| healthcare.recurring_treatment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Household help | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Childcare | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| School fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Tuition and coaching | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Higher education reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Personal care and clothing | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning and self-development | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Monthly subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Pets | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Regular medication | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Routine consultations | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Health check-ups and screening | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dependants’ health costs | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other household staff | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Extra-curricular fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Training and exams | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Property tax | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Condo or HOA fee | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Repairs reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Home insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dining and entertainment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Hobbies and interests | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Gifts and giving | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Ordinary travel | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Major trips | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
การเทียบกับครัวเรือนอื่น
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Household wealth survey | Statistics Canada, Survey of Financial Security 2023 (Table 11-10-0016-01) — median and mean net worth by age of main income earner | วัดจากข้อมูลจริง | 2023 |
| Tax on withdrawals | Canada Revenue Agency, Capital gains — one-half inclusion rate on realised gains | วัดจากข้อมูลจริง | 2025 |
ตัวเลขของฟรีดอม แลดเดอร์
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| How much shares swing in a year | OECD (via FRED), OECD share-price index, Canada (SPASTT01CAM661N) — annualised standard deviation of returns | คำนวณขึ้นเอง | 2025 |
| How much bonds swing in a year | Nivritee, from published government yields, Bond sleeve volatility, derived from government yields (Monthly, 2006-2025) | คำนวณขึ้นเอง | 2025 |
| How shares and bonds move together | Nivritee, from published index and yield series, Correlation of monthly equity and bond returns (Monthly, 2006-2025) | คำนวณขึ้นเอง | 2025 |
| Typical borrowing rate: unsecured | Bank of Canada, Bank of Canada V122667812, card loans (outstanding) | วัดจากข้อมูลจริง | 2026 |
| Typical borrowing rate: other | Bank of Canada, Bank of Canada V122667804, personal loan plans, new | วัดจากข้อมูลจริง | 2026 |
| Typical borrowing rate: home | Bank of Canada, Bank of Canada V122667781, new mortgages, uninsured, total | วัดจากข้อมูลจริง | 2026 |
| Typical borrowing rate: car | Bank of Canada, Bank of Canada V122667805, auto loans, new | วัดจากข้อมูลจริง | 2026 |
เงินฝาก
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Typical deposit rate | Bank of Canada, 12-month deposit rate — Bank of Canada, posted 1-year GIC (V80691339), 14 Oct 2026 | วัดจากข้อมูลจริง | 2026 |
ออสเตรเลีย
21 จาก 54 ตัวเลข สืบย้อนไปถึงผู้เผยแพร่ที่ระบุชื่อได้
อัตราตั้งต้นของแผน
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Everyday inflation | Reserve Bank of Australia, Inflation target, 2–3% | วัดจากข้อมูลจริง | 2026 |
| School cost inflation | Australian Bureau of Statistics, CPI preschool and primary (115495) and secondary education (115496), weighted by the 2025 basket, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| University cost inflation | Australian Bureau of Statistics, CPI tertiary education (115497), 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Medical cost inflation | WTW, 2026 Global Medical Trends Survey — Australia, gross | วัดจากข้อมูลจริง | 2025-10 |
| Income growth | Australian Bureau of Statistics, Wage Price Index, seasonally adjusted, Q2 2016–Q2 2026 | คำนวณขึ้นเอง | 2026-06 |
| Return while you are working | Nivritee returns rule, Reserve Bank of Australia target, midpoint of 2–3%; DMS, Credit Suisse Global Investment Returns Yearbook 2023, summary edition (1900–2022), Table 1, p.16 | สมมติฐานของเรา | 2026-10 |
| Return after financial independence | Nivritee returns rule, RBA F2.1 10-year Commonwealth Government bond yield, mean of the 60 months to Sep 2026 | สมมติฐานของเรา | 2026-10 |
ค่าใช้จ่ายทั่วไป
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Extra utilities at home all day | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Groceries and household supplies | ABS Household Expenditure Survey 2015-16 (cat. 6530.0), cube DO013 Table 13.3A, greater capital cities (weekly × 52/12) — food & non-alcoholic beverages (03) minus meals out (0311) | คำนวณขึ้นเอง | 2016-06 |
| Utilities | ABS Household Expenditure Survey 2015-16 (cat. 6530.0), cube DO013 Table 13.3A, greater capital cities (weekly × 52/12) — domestic fuel & power 184 + water & sewerage 68 | คำนวณขึ้นเอง | 2016-06 |
| Transport | ABS Household Expenditure Survey 2015-16 (cat. 6530.0), cube DO013 Table 13.3A, greater capital cities (weekly × 52/12) — transport excl. vehicle purchase | คำนวณขึ้นเอง | 2016-06 |
| Phone, internet and devices | ABS Household Expenditure Survey 2015-16 (cat. 6530.0), cube DO013 Table 13.3A, greater capital cities (weekly × 52/12) — communication (11) | คำนวณขึ้นเอง | 2016-06 |
| Everything else | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Private health cover | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Out-of-pocket buffer | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| healthcare.recurring_treatment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Household help | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Childcare | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| School fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Tuition and coaching | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Higher education reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Personal care and clothing | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning and self-development | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Monthly subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Pets | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Regular medication | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Routine consultations | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Health check-ups and screening | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dependants’ health costs | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other household staff | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Extra-curricular fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Training and exams | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Council rates | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Strata levy | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Repairs reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Home insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dining and entertainment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Hobbies and interests | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Gifts and giving | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Ordinary travel | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Major trips | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
การเทียบกับครัวเรือนอื่น
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Household wealth survey | Australian Bureau of Statistics, Household Income and Wealth, Australia, 2019-20 — household net worth | วัดจากข้อมูลจริง | 2020 |
| Tax on withdrawals | Australian Taxation Office, Capital gains tax — 50% discount for assets held over 12 months | วัดจากข้อมูลจริง | 2025 |
ตัวเลขของฟรีดอม แลดเดอร์
เงินฝาก
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Typical deposit rate | RBA Table F4, 12-month deposit rate — RBA Table F4, banks’ 1-year term deposit, Sep 2026 | วัดจากข้อมูลจริง | 2026 |
นิวซีแลนด์
22 จาก 54 ตัวเลข สืบย้อนไปถึงผู้เผยแพร่ที่ระบุชื่อได้
อัตราตั้งต้นของแผน
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Everyday inflation | Reserve Bank of New Zealand, Inflation target, 1–3% with a 2% focus | วัดจากข้อมูลจริง | 2026 |
| School cost inflation | Stats NZ, CPI primary and secondary education (SE9102), 2015–2025 | คำนวณขึ้นเอง | 2025 |
| University cost inflation | Stats NZ, CPI tertiary education (SE9103), 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Medical cost inflation | WTW, 2026 Global Medical Trends Survey — New Zealand, gross | วัดจากข้อมูลจริง | 2025-10 |
| Income growth | Stats NZ, Labour Cost Index, salary and ordinary-time wage rates (LCIQ.SG51Z9), Jun 2016–Jun 2026 | คำนวณขึ้นเอง | 2026-06 |
| Return while you are working | Nivritee returns rule, Reserve Bank of New Zealand target, 1–3% with a 2% focus; DMS, Credit Suisse Global Investment Returns Yearbook 2023, summary edition (1900–2022), Table 1, p.16 | สมมติฐานของเรา | 2026-10 |
| Return after financial independence | Nivritee returns rule, RBNZ B2 10-year government bond yield, mean of the 60 months to Aug 2026 | สมมติฐานของเรา | 2026-10 |
ค่าใช้จ่ายทั่วไป
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Extra utilities at home all day | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Groceries and household supplies | Stats NZ Household Expenditure Statistics, year ended June 2023, Table 1 (weekly × 52/12) — food at home | คำนวณขึ้นเอง | 2023-06 |
| Utilities | Stats NZ Household Expenditure Statistics, year ended June 2023, Table 1 (weekly × 52/12) — energy + water + refuse | คำนวณขึ้นเอง | 2023-06 |
| Transport | Stats NZ Household Expenditure Statistics, year ended June 2023, Table 1 (weekly × 52/12) — private transport supplies & services | คำนวณขึ้นเอง | 2023-06 |
| Phone, internet and devices | Stats NZ Household Expenditure Statistics, year ended June 2023, Table 1 (weekly × 52/12) — communication total | คำนวณขึ้นเอง | 2023-06 |
| Everything else | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Insurance premium | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Out-of-pocket buffer | Stats NZ Household Expenditure Statistics, year ended June 2023, Table 1 (weekly × 52/12) — health out-of-pocket | คำนวณขึ้นเอง | 2023-06 |
| healthcare.recurring_treatment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Household help | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Childcare | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| School fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Tuition and coaching | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Higher education reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Personal care and clothing | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning and self-development | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Monthly subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Pets | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Regular medication | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Routine consultations | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Health check-ups and screening | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dependants’ health costs | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other household staff | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Extra-curricular fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Training and exams | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Council rates | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Body corporate levy | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Repairs reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Home insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dining and entertainment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Hobbies and interests | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Gifts and giving | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Ordinary travel | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Major trips | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
การเทียบกับครัวเรือนอื่น
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Household wealth survey | Stats NZ (Tatauranga Aotearoa), Household net worth statistics: year ended June 2024 | วัดจากข้อมูลจริง | 2024 |
| Tax on withdrawals | Inland Revenue (Te Tari Taake), New Zealand has no general capital gains tax; PIE income is taxed at the PIR | วัดจากข้อมูลจริง | 2025 |
ตัวเลขของฟรีดอม แลดเดอร์
เงินฝาก
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Typical deposit rate | RBNZ B26, 12-month deposit rate — RBNZ B26, new 1-year term deposits, Sep 2026 | วัดจากข้อมูลจริง | 2026 |
สิงคโปร์
24 จาก 54 ตัวเลข สืบย้อนไปถึงผู้เผยแพร่ที่ระบุชื่อได้
อัตราตั้งต้นของแผน
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Everyday inflation | IMF; Monetary Authority of Singapore, World Economic Outlook (October 2026) 2031 projection; MAS has no inflation target | วัดจากข้อมูลจริง | 2026-10 |
| School cost inflation | Singapore Department of Statistics, CPI primary, secondary and post-secondary non-tertiary fees and private tuition, weighted by the 2024 basket, 2015–2025 (M213801) | คำนวณขึ้นเอง | 2025 |
| University cost inflation | Singapore Department of Statistics, CPI polytechnic fees (M213801), 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Medical cost inflation | WTW, 2026 Global Medical Trends Survey — Singapore, gross | วัดจากข้อมูลจริง | 2025-10 |
| Income growth | Ministry of Manpower, Median gross monthly income from work, full-time employed residents, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Return while you are working | Nivritee returns rule, MAS: no target; "core inflation just under 2%" is its stated view of price stability; DMS, Credit Suisse Global Investment Returns Yearbook 2023, summary edition (1900–2022), Table 1, p.16 (Singapore from 1966) | สมมติฐานของเรา | 2026-10 |
| Return after financial independence | Nivritee returns rule, MAS 10-year Singapore Government Securities yield, mean of the 60 months to Sep 2026 | สมมติฐานของเรา | 2026-10 |
ค่าใช้จ่ายทั่วไป
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Extra utilities at home all day | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Groceries and household supplies | SingStat Household Expenditure Survey 2023, table 17967 (detailed, by income quintile) — food & non-alcoholic beverages | คำนวณขึ้นเอง | 2023 |
| Utilities | SingStat Household Expenditure Survey 2023, table 17967 (detailed, by income quintile) — water + refuse + electricity, gas & fuels | คำนวณขึ้นเอง | 2023 |
| Transport | SingStat Household Expenditure Survey 2023, table 17967 (detailed, by income quintile) — operation of vehicles + land transport services | คำนวณขึ้นเอง | 2023 |
| Phone, internet and devices | SingStat Household Expenditure Survey 2023, table 17967 (detailed, by income quintile) — ICT services | คำนวณขึ้นเอง | 2023 |
| Everything else | SingStat Household Expenditure Survey 2023, table 17967 (detailed, by income quintile) — clothing 119.6 + furnishing & equipment ex domestic services 211.9 | คำนวณขึ้นเอง | 2023 |
| Insurance premium | SingStat Household Expenditure Survey 2023, table 17967 (detailed, by income quintile) — insurance connected with health | คำนวณขึ้นเอง | 2023 |
| Out-of-pocket buffer | SingStat Household Expenditure Survey 2023, table 17967 (detailed, by income quintile) — health division | คำนวณขึ้นเอง | 2023 |
| healthcare.recurring_treatment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Household help | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Childcare | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| School fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Tuition and coaching | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Higher education reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Personal care and clothing | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning and self-development | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Monthly subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Pets | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Regular medication | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Routine consultations | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Health check-ups and screening | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dependants’ health costs | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other household staff | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Extra-curricular fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Training and exams | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Property tax | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Conservancy or management fee | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Repairs reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Home insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dining and entertainment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Hobbies and interests | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Gifts and giving | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Ordinary travel | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Major trips | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
การเทียบกับครัวเรือนอื่น
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Household income survey | Singapore Department of Statistics (SingStat), Household Income 2025, tables 17870 and 17886 — resident employed households | วัดจากข้อมูลจริง | 2025 |
| Tax on withdrawals | Inland Revenue Authority of Singapore, Singapore does not tax capital gains | วัดจากข้อมูลจริง | 2025 |
ตัวเลขของฟรีดอม แลดเดอร์
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| How much shares swing in a year | MSCI, MSCI Singapore (998100), SGD, price — annualised standard deviation of returns | คำนวณขึ้นเอง | 2025 |
| How much bonds swing in a year | Nivritee, from published government yields, Bond sleeve volatility, derived from government yields (Jan 2006-Dec 2025) | คำนวณขึ้นเอง | 2025 |
| How shares and bonds move together | Nivritee, from published index and yield series, Correlation of monthly equity and bond returns (Jan 2006-Dec 2025) | คำนวณขึ้นเอง | 2025 |
| Typical borrowing rate: unsecured | DBS Bank, DBS fees and charges FAQ: prevailing credit card interest rate | คำนวณขึ้นเอง | 2026 |
| Typical borrowing rate: other | Monetary Authority of Singapore, Representative personal loan annual percentage rate | คำนวณขึ้นเอง | 2026 |
| Typical borrowing rate: home | CPF Board / HDB, HDB concessionary housing loan (CPF OA rate 2.5% + 0.1) | วัดจากข้อมูลจริง | 2026 |
| Typical borrowing rate: car | Monetary Authority of Singapore, Representative vehicle loan annual percentage rate | คำนวณขึ้นเอง | 2026 |
เงินฝาก
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Typical deposit rate | CPF Board blend of the major local banks’ board rates, 12-month deposit rate — CPF Board blend of the major local banks’ board rates (May–Jul 2026) to UOB’s 12-month promotion (Sep–Oct 2026) | คำนวณขึ้นเอง | 2026 |
ฮ่องกง
24 จาก 54 ตัวเลข สืบย้อนไปถึงผู้เผยแพร่ที่ระบุชื่อได้
อัตราตั้งต้นของแผน
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Everyday inflation | International Monetary Fund, World Economic Outlook (October 2026) — Hong Kong, 2031 projection | วัดจากข้อมูลจริง | 2026-10 |
| School cost inflation | Census and Statistics Department, Composite CPI, educational services (group 67, formerly school fees), 2015–2025 | คำนวณขึ้นเอง | 2025 |
| University cost inflation | Census and Statistics Department, Composite CPI, educational services (group 67), 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Medical cost inflation | WTW, 2026 Global Medical Trends Survey — Hong Kong, gross | วัดจากข้อมูลจริง | 2025-10 |
| Income growth | Census and Statistics Department, Annual Earnings and Hours Survey, median monthly wage (Table 220-23011), 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Return while you are working | Nivritee returns rule, IMF World Economic Outlook (October 2026), 2031 projection; the HKMA has no inflation target; DMS, UBS Global Investment Returns Yearbook 2025, summary edition (1900–2024), p.6, world index (Hong Kong's own 1963– series reflects a catch-up era) | สมมติฐานของเรา | 2026-10 |
| Return after financial independence | Nivritee returns rule, HKMA HKGB 10-year benchmark yields (Tables 9.4.2 and 10.4.2.1), mean of the 60 months to Sep 2026 | สมมติฐานของเรา | 2026-10 |
ค่าใช้จ่ายทั่วไป
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Extra utilities at home all day | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Groceries and household supplies | C&SD 2024/25 Household Expenditure Survey, Table 140-09006 (Oct 2024–Sep 2025) — basic food (groups 2–22) | คำนวณขึ้นเอง | 2025-09 |
| Utilities | C&SD 2024/25 Household Expenditure Survey, Table 140-09006 (Oct 2024–Sep 2025) — electricity, gas and water | คำนวณขึ้นเอง | 2025-09 |
| Transport | C&SD 2024/25 Household Expenditure Survey, Table 140-09006 (Oct 2024–Sep 2025) — local fares | คำนวณขึ้นเอง | 2025-09 |
| Phone, internet and devices | C&SD 2024/25 Household Expenditure Survey, Table 140-09006 (Oct 2024–Sep 2025) — information and communications services (74) | คำนวณขึ้นเอง | 2025-09 |
| Everything else | C&SD 2024/25 Household Expenditure Survey, Table 140-09006 (Oct 2024–Sep 2025) — clothing 687 + durable goods 1,200 + misc goods 1,033 | คำนวณขึ้นเอง | 2025-09 |
| Insurance premium | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Out-of-pocket buffer | C&SD 2024/25 Household Expenditure Survey, Table 140-09006 (Oct 2024–Sep 2025) — health services 1,074 + medicines 236 | คำนวณขึ้นเอง | 2025-09 |
| healthcare.recurring_treatment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Household help | HK Government press release 2026-10-02: Minimum Allowable Wage HK$5,220 + food allowance HK$1,236, MAW 5,220 is measured (contracts from 3 Oct 2026); excludes accommodation, insurance, agency, travel. | คำนวณขึ้นเอง | 2026-10 |
| Childcare | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| School fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Tuition and coaching | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Higher education reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Personal care and clothing | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning and self-development | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Monthly subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Pets | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Regular medication | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Routine consultations | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Health check-ups and screening | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dependants’ health costs | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other household staff | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Extra-curricular fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Training and exams | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Government rates | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Management fee | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Repairs reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Home insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dining and entertainment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Hobbies and interests | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Gifts and giving | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Ordinary travel | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Major trips | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
การเทียบกับครัวเรือนอื่น
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Household income survey | Census and Statistics Department, Hong Kong SAR, Household income distribution, General Household Survey | วัดจากข้อมูลจริง | 2025 |
| Tax on withdrawals | Inland Revenue Department, Hong Kong SAR, Hong Kong does not tax capital gains | วัดจากข้อมูลจริง | 2025 |
ตัวเลขของฟรีดอม แลดเดอร์
เงินฝาก
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Typical deposit rate | HKMA Table 6.4.2, 12-month deposit rate — HKMA Table 6.4.2, 12-month time deposit quoted by major banks, Sep 2026 | วัดจากข้อมูลจริง | 2026 |
ญี่ปุ่น
25 จาก 52 ตัวเลข สืบย้อนไปถึงผู้เผยแพร่ที่ระบุชื่อได้
อัตราตั้งต้นของแผน
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Everyday inflation | Bank of Japan, Price stability target, 2% | วัดจากข้อมูลจริง | 2026 |
| School cost inflation | Statistics Bureau of Japan, CPI 補習教育 tutorial fees (juku), 2015–2025 | คำนวณขึ้นเอง | 2025 |
| University cost inflation | Statistics Bureau of Japan, CPI national and private university, private junior college and private vocational school fees, weighted by the 2025-base CPI, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Medical cost inflation | Aon, 2026 Global Medical Trend Rates report — Japan, gross | วัดจากข้อมูลจริง | 2025-10 |
| Income growth | Ministry of Health, Labour and Welfare, Monthly Labour Survey, total cash earnings, all workers, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Return while you are working | Nivritee returns rule, Bank of Japan price stability target, 2%; DMS, Credit Suisse Global Investment Returns Yearbook 2023, summary edition (1900–2022), Table 1, p.16 | สมมติฐานของเรา | 2026-10 |
| Return after financial independence | Nivritee returns rule, Ministry of Finance JGB 10-year yield, mean of the 60 months to Sep 2026 | สมมติฐานของเรา | 2026-10 |
ค่าใช้จ่ายทั่วไป
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Extra utilities at home all day | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Groceries and household supplies | Statistics Bureau 家計調査 家計収支編 2025, 第1-1表, two-or-more-person households, 大都市 column — 食料 | คำนวณขึ้นเอง | 2025 |
| Utilities | Statistics Bureau 家計調査 家計収支編 2025, 第1-1表, two-or-more-person households, 大都市 column — 光熱・水道 | คำนวณขึ้นเอง | 2025 |
| Transport | Statistics Bureau 家計調査 家計収支編 2025, 第1-1表, two-or-more-person households, 大都市 column — 交通 + 自動車等関係費 | คำนวณขึ้นเอง | 2025 |
| Phone, internet and devices | Statistics Bureau 家計調査 家計収支編 2025, 第1-1表, two-or-more-person households, 大都市 column — 通信 | คำนวณขึ้นเอง | 2025 |
| Everything else | Statistics Bureau 家計調査 家計収支編 2025, 第1-1表, two-or-more-person households, 大都市 column — その他の消費支出 | คำนวณขึ้นเอง | 2025 |
| Insurance premium | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Out-of-pocket buffer | Statistics Bureau 家計調査 家計収支編 2025, 第1-1表, two-or-more-person households, 大都市 column — 保健医療サービス | คำนวณขึ้นเอง | 2025 |
| healthcare.recurring_treatment | Statistics Bureau 家計調査 家計収支編 2025, 第1-1表, two-or-more-person households, 大都市 column — 医薬品 + 保健医療用品・器具 | คำนวณขึ้นเอง | 2025 |
| Childcare | 家計調査 2025 第4-1表 — 保育費用 ¥9,403/yr over 366 purchasing households per 10,000, Interpretation flagged by the research (購入世帯 read as monthly incidence). | คำนวณขึ้นเอง | 2025 |
| School fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Tuition and coaching | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Higher education reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Personal care and clothing | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning and self-development | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Monthly subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Pets | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Regular medication | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Routine consultations | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Health check-ups and screening | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dependants’ health costs | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Extra-curricular fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Training and exams | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Fixed asset tax | Japan’s fixed asset tax is set by statute at 1.4% of assessed value, with a city planning tax of up to 0.3% on top. Assessed value runs below market value. | มีคำอธิบาย | — |
| Management fee | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Repairs reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Home insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dining and entertainment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Hobbies and interests | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Gifts and giving | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Ordinary travel | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Major trips | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
การเทียบกับครัวเรือนอื่น
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Household wealth survey | Statistics Bureau of Japan (総務省統計局), 2024 National Survey of Family Income, Consumption and Wealth — net worth by age of household head: medians (table 7-101-1) and means (table 4-4), all households | วัดจากข้อมูลจริง | 2024 |
| Tax on withdrawals | National Tax Agency (国税庁), Flat 20.315% on capital gains and dividends (15% income, 5% inhabitant, 0.315% surtax) | วัดจากข้อมูลจริง | 2025 |
ตัวเลขของฟรีดอม แลดเดอร์
เงินฝาก
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Typical deposit rate | Bank of Japan, 12-month deposit rate — Bank of Japan, 1-year time deposit under ¥3M (DLDR43TL61YN), Sep 2026 | วัดจากข้อมูลจริง | 2026 |
อินเดีย
28 จาก 56 ตัวเลข สืบย้อนไปถึงผู้เผยแพร่ที่ระบุชื่อได้
อัตราตั้งต้นของแผน
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Everyday inflation | Reserve Bank of India, Inflation target 4% ±2, 1 April 2026 to 31 March 2031 | วัดจากข้อมูลจริง | 2026-03 |
| School cost inflation | Ministry of Statistics and Programme Implementation, CPI (Combined) tuition and other fees (school share) and private tutor/coaching, weighted by the 2012 basket, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| University cost inflation | Ministry of Statistics and Programme Implementation, CPI (Combined) tuition and other fees (school share) and private tutor/coaching, weighted by the 2012 basket, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Medical cost inflation | WTW, 2026 Global Medical Trends Survey — India, gross | วัดจากข้อมูลจริง | 2025-10 |
| Income growth | Ministry of Statistics and Programme Implementation, PLFS average monthly earnings, regular salaried, urban, Apr–Jun 2018 to Apr–Jun 2024 | คำนวณขึ้นเอง | 2024-06 |
| Return while you are working | Nivritee returns rule, Reserve Bank of India target, 4% ±2 to March 2031; DMS, Credit Suisse Global Investment Returns Yearbook 2023, summary edition (1900–2022), Table 1, p.16 (India 1953–2022, reported in the press) | สมมติฐานของเรา | 2026-10 |
| Return after financial independence | Nivritee returns rule, OECD Main Economic Indicators long-term interest rate, India (RBI-sourced, FRED INDIRLTLT01STM), mean Oct 2021–Sep 2026 | สมมติฐานของเรา | 2026-10 |
ค่าใช้จ่ายทั่วไป
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Extra utilities at home all day | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Groceries and household supplies | MoSPI NSO HCES 2023-24 (NSS Report No. 592), urban, ₹ per person per 30 days × 2 — food minus beverages, served and packaged processed food | คำนวณขึ้นเอง | 2024-07 |
| Utilities | MoSPI NSO HCES 2023-24 (NSS Report No. 592), urban, ₹ per person per 30 days × 2 — fuel & light + water | คำนวณขึ้นเอง | 2024-07 |
| Transport | MoSPI NSO HCES 2023-24 (NSS Report No. 592), urban, ₹ per person per 30 days × 2 — conveyance | คำนวณขึ้นเอง | 2024-07 |
| Phone, internet and devices | MoSPI NSO HCES 2023-24 (NSS Report No. 592), urban, ₹ per person per 30 days × 2 — mobile + internet + landline | คำนวณขึ้นเอง | 2024-07 |
| Everything else | MoSPI NSO HCES 2023-24 (NSS Report No. 592), urban, ₹ per person per 30 days × 2 — barber, toiletries, clothing, footwear, entertainment | คำนวณขึ้นเอง | 2024-07 |
| Insurance premium | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Out-of-pocket buffer | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| healthcare.recurring_treatment | HCES 2023-24 — medical, hospitalisation | คำนวณขึ้นเอง | 2024-07 |
| Household help | HCES 2023-24 item 480 'domestic servant/cook', Delhi 5.6% report, ≈₹3,633; Maharashtra 7.4%, ≈₹2,780. Seed [6000, 15000]. Statutory floors (secondary): Delhi unskilled ₹18,456 (Apr–Sep 2026, no domestic-worker schedule); Karnataka Zone I housekeep | คำนวณขึ้นเอง | 2024-07 |
| Driver | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Cook | Karnataka minimum-wage schedule 'Residential houses including domestic helpers', 1 Apr 2026–31 Mar 2027 (WageIndicator snippet; page 404) | แหล่งข้อมูลทุติยภูมิ | 2026-04 |
| Childcare | Karnataka minimum-wage schedule 2026-27 (WageIndicator snippet), A babysitter wage floor, not a creche fee. HCES item 481 attendant/babysitter (₹0.57/person) is effectively not measured. Seed [8000, 25000]. | แหล่งข้อมูลทุติยภูมิ | 2026-04 |
| School fees | HCES 2023-24 item 405 tuition and other fees, Per-capita ×2 is 614 over all; top 5% ×2 2,502. Seed [10000, 40000]. | คำนวณขึ้นเอง | 2024-07 |
| Tuition and coaching | HCES 2023-24 private tutor/coaching, Per-capita ×2 is 92 over all; top 5% ×2 277. Seed [3000, 12000]. | คำนวณขึ้นเอง | 2024-07 |
| Higher education reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Personal care and clothing | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning and self-development | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Monthly subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Pets | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Regular medication | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Routine consultations | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Health check-ups and screening | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dependants’ health costs | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other household staff | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Extra-curricular fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Training and exams | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Property tax | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Society maintenance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Repairs reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Home insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dining and entertainment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Hobbies and interests | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Gifts and giving | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Ordinary travel | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Major trips | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
การเทียบกับครัวเรือนอื่น
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Household wealth survey | National Statistical Office, Ministry of Statistics and Programme Implementation, All India Debt and Investment Survey, NSS 77th round — average value of assets per household | วัดจากข้อมูลจริง | 2019 |
| Tax on withdrawals | Income Tax Department, Government of India, Section 112A — long-term capital gains on listed equity taxed at 12.5% from 23 July 2024 | วัดจากข้อมูลจริง | 2024 |
ตัวเลขของฟรีดอม แลดเดอร์
เงินฝาก
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Typical deposit rate | RBI average on fresh term deposits, 12-month deposit rate — RBI average on fresh term deposits (Aug 2026) to SBI’s 1-year retail rate | คำนวณขึ้นเอง | 2026 |
มาเลเซีย
27 จาก 56 ตัวเลข สืบย้อนไปถึงผู้เผยแพร่ที่ระบุชื่อได้
อัตราตั้งต้นของแผน
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Everyday inflation | Bank Negara Malaysia; DOSM, Annual Report 2025 projection 1.5–2.5%; CPI 2010–2025 average 2.0% | วัดจากข้อมูลจริง | 2026-03 |
| School cost inflation | Department of Statistics Malaysia, CPI pre-primary and primary, secondary, post-secondary non-tertiary and education not defined by level, weighted by the HES 2022 basket, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| University cost inflation | Department of Statistics Malaysia, CPI tertiary education, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Medical cost inflation | WTW, 2026 Global Medical Trends Survey — Malaysia, gross | วัดจากข้อมูลจริง | 2025-10 |
| Income growth | Department of Statistics Malaysia, Salaries & Wages Survey, citizens, mean monthly, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Return while you are working | Nivritee returns rule, Bank Negara Malaysia has no target; its 2026 projection midpoint and the 15-year CPI average are both about 2%; DMS, UBS Global Investment Returns Yearbook 2025, summary edition (1900–2024), p.6, world index (no Malaysian series) | สมมติฐานของเรา | 2026-10 |
| Return after financial independence | Nivritee returns rule, Bank Negara Malaysia, Table 2.5 market indicative yield, 10-year MGS (month-end), mean Sep 2021–Aug 2026 | สมมติฐานของเรา | 2026-10 |
ค่าใช้จ่ายทั่วไป
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Extra utilities at home all day | DOSM HES 2024 — KL utilities 175.4 − urban utilities 135.3, Seed [50, 150]. | คำนวณขึ้นเอง | 2024 |
| Groceries and household supplies | DOSM HES 2024 Table 3.7, two-person urban household — food division | คำนวณขึ้นเอง | 2024 |
| Utilities | DOSM Household Expenditure Survey Report 2024, Tables 4.1/4.2, KL per household × 2/3.0 — 0441–0455 | คำนวณขึ้นเอง | 2024 |
| Transport | DOSM Household Expenditure Survey Report 2024, Tables 4.1/4.2, KL per household × 2/3.0 — division 07 excl. vehicle purchase | คำนวณขึ้นเอง | 2024 |
| Phone, internet and devices | DOSM Household Expenditure Survey Report 2024, Tables 4.1/4.2, KL per household × 2/3.0 — 0831–0835 telecom services | คำนวณขึ้นเอง | 2024 |
| Everything else | DOSM Household Expenditure Survey Report 2024, Tables 4.1/4.2, KL per household × 2/3.0 — clothing + personal care 1311–1313 + recreation services 0961–0962 | คำนวณขึ้นเอง | 2024 |
| Insurance premium | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Out-of-pocket buffer | DOSM HES 2024 Table 3.7, two-person urban household — health division | คำนวณขึ้นเอง | 2024 |
| healthcare.recurring_treatment | DOSM Household Expenditure Survey Report 2024, Tables 4.1/4.2, KL per household × 2/3.0 — 0611 medicines | คำนวณขึ้นเอง | 2024 |
| Household help | Immigration Department of Malaysia: 'RM1500.00 per month', Filipino helper minimum US$500 ≈ RM2,350 (NST, secondary). Levy RM410/yr (secondary). Actual pay NOT FOUND. Seed [800, 1800]. | คำนวณขึ้นเอง | 2026-10 |
| Driver | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Cook | Minimum Wages Order 2024, P.U.(A) 376 (copy at amcham.com.my) | คำนวณขึ้นเอง | 2025-02 |
| Childcare | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| School fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Tuition and coaching | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Higher education reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Personal care and clothing | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning and self-development | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Monthly subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Pets | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Regular medication | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Routine consultations | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Health check-ups and screening | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dependants’ health costs | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other household staff | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Extra-curricular fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Training and exams | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Property tax | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Maintenance fee | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Repairs reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Home insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dining and entertainment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Hobbies and interests | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Gifts and giving | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Ordinary travel | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Major trips | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
การเทียบกับครัวเรือนอื่น
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Household income survey | Department of Statistics Malaysia (DOSM), Household Income Survey Report 2024 — household income by state, urban and rural | วัดจากข้อมูลจริง | 2024 |
| Tax on withdrawals | Lembaga Hasil Dalam Negeri Malaysia (Inland Revenue Board), No general capital gains tax on shares; Real Property Gains Tax applies to property | วัดจากข้อมูลจริง | 2025 |
ตัวเลขของฟรีดอม แลดเดอร์
เงินฝาก
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Typical deposit rate | Hong Leong Bank 12-month FD, 12-month deposit rate — Hong Leong Bank 12-month FD (Aug 2026) to BNM’s commercial-bank average (Aug 2026) | คำนวณขึ้นเอง | 2026 |
ยุโรป (ค่าเฉลี่ยยูโรโซน)
22 จาก 54 ตัวเลข สืบย้อนไปถึงผู้เผยแพร่ที่ระบุชื่อได้
อัตราตั้งต้นของแผน
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Everyday inflation | European Central Bank, Symmetric 2% inflation target | วัดจากข้อมูลจริง | 2026 |
| School cost inflation | Eurostat, HICP early childhood and primary (CP101), secondary (CP102) and tutoring (CP10501), euro area, weighted by the 2026 item weights, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| University cost inflation | Eurostat, HICP tertiary education (CP104), euro area, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Medical cost inflation | WTW, 2026 medical trend, eight euro-area members, GDP-weighted | คำนวณขึ้นเอง | 2026-02 |
| Income growth | Eurostat, Compensation per employee, euro area (nama_10_lp_ulc), 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Return while you are working | Nivritee returns rule, ECB symmetric 2% target; DMS, Credit Suisse Global Investment Returns Yearbook 2023, summary edition (1900–2022), Table 1, p.16; member returns weighted by Eurostat 2024 GDP | สมมติฐานของเรา | 2026-10 |
| Return after financial independence | Nivritee returns rule, ECB IRS.M.U2.L.L40.CI.0000.EUR.N.Z convergence yield, mean Oct 2021–Sep 2026 | สมมติฐานของเรา | 2026-10 |
ค่าใช้จ่ายทั่วไป
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Extra utilities at home all day | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Groceries and household supplies | Eurostat national accounts EA20 2022 (nama_10_co3_p3) ÷ 156.5m households, per month | คำนวณขึ้นเอง | 2022 |
| Utilities | Eurostat national accounts EA20 2022 (nama_10_co3_p3) ÷ 156.5m households, per month | คำนวณขึ้นเอง | 2022 |
| Transport | Eurostat national accounts EA20 2022 (nama_10_co3_p3) ÷ 156.5m households, per month — transport excl. vehicles | คำนวณขึ้นเอง | 2022 |
| Phone, internet and devices | Eurostat national accounts EA20 2022 (nama_10_co3_p3) ÷ 156.5m households, per month | คำนวณขึ้นเอง | 2022 |
| Everything else | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Insurance premium | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Out-of-pocket buffer | Eurostat national accounts EA20 2022 (nama_10_co3_p3) ÷ 156.5m households, per month — health | คำนวณขึ้นเอง | 2022 |
| healthcare.recurring_treatment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Household help | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Childcare | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| School fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Tuition and coaching | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Higher education reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Personal care and clothing | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning and self-development | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Monthly subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Pets | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Regular medication | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Routine consultations | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Health check-ups and screening | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dependants’ health costs | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other household staff | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Extra-curricular fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Training and exams | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Property tax | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Maintenance or society fee | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Repairs reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Home insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dining and entertainment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Hobbies and interests | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Gifts and giving | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Ordinary travel | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Major trips | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
การเทียบกับครัวเรือนอื่น
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Household wealth survey | European Central Bank, The Household Finance and Consumption Survey, wave 2023 (Statistics Paper 53), Table 9 — net wealth medians and means by age of reference person, euro area | วัดจากข้อมูลจริง | 2023 |
| Tax on withdrawals | European Commission, Taxes in Europe database — capital gains treatment varies by member state | วัดจากข้อมูลจริง | 2025 |
ตัวเลขของฟรีดอม แลดเดอร์
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| How much shares swing in a year | OECD (via FRED), OECD share-price index, euro area (SPASTT01EZM661N) — annualised standard deviation of returns | คำนวณขึ้นเอง | 2025 |
| How much bonds swing in a year | Nivritee, from published government yields, Bond sleeve volatility, derived from government yields (Monthly, 2006-2025) | คำนวณขึ้นเอง | 2025 |
| How shares and bonds move together | Nivritee, from published index and yield series, Correlation of monthly equity and bond returns (Monthly, 2006-2025) | คำนวณขึ้นเอง | 2025 |
| Typical borrowing rate: unsecured | European Central Bank, ECB MIR M.U2.B.A2Z3.A.R.A.2250.EUR.N, extended credit-card credit | วัดจากข้อมูลจริง | 2026 |
| Typical borrowing rate: other | European Central Bank, ECB MIR A2B (APRC), consumer credit | วัดจากข้อมูลจริง | 2026 |
| Typical borrowing rate: home | European Central Bank, ECB MIR A2C.A.C (APRC), house purchase | วัดจากข้อมูลจริง | 2026 |
| Typical borrowing rate: car | European Central Bank, Representative vehicle loan annual percentage rate | คำนวณขึ้นเอง | 2026 |
เงินฝาก
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Typical deposit rate | ECB MIR, 12-month deposit rate — ECB MIR, household deposits up to 1 year, euro area, Aug 2026 | วัดจากข้อมูลจริง | 2026 |
สหราชอาณาจักร
22 จาก 54 ตัวเลข สืบย้อนไปถึงผู้เผยแพร่ที่ระบุชื่อได้
อัตราตั้งต้นของแผน
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Everyday inflation | Bank of England, 2% CPI inflation target | วัดจากข้อมูลจริง | 2026 |
| School cost inflation | Office for National Statistics, CPI pre-primary, primary and secondary education incl. private school fees (L7I4), 2015–2025 | คำนวณขึ้นเอง | 2025 |
| University cost inflation | Office for National Statistics, CPI item 440230, university tuition for international students, 2015–2025 (chain-linked) | คำนวณขึ้นเอง | 2025 |
| Medical cost inflation | WTW, 2026 Global Medical Trends Survey — the United Kingdom, gross | วัดจากข้อมูลจริง | 2025-10 |
| Income growth | Office for National Statistics, Average weekly earnings, total pay, whole economy (KAB9), 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Return while you are working | Nivritee returns rule, Bank of England CPI target, 2%; DMS, UBS Global Investment Returns Yearbook 2025, summary edition (1900–2024), p.6 | สมมติฐานของเรา | 2026-10 |
| Return after financial independence | Nivritee returns rule, Bank of England IADB IUMMNPY, mean Oct 2021–Sep 2026 | สมมติฐานของเรา | 2026-10 |
ค่าใช้จ่ายทั่วไป
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Extra utilities at home all day | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Groceries and household supplies | ONS Living Costs and Food Survey FYE2025, 'Family spending in the UK' Apr 2024–Mar 2025 (weekly × 52/12) — food & non-alcoholic drinks | คำนวณขึ้นเอง | 2025-03 |
| Utilities | ONS Living Costs and Food Survey FYE2025, 'Family spending in the UK' Apr 2024–Mar 2025 (weekly × 52/12) — energy + water | คำนวณขึ้นเอง | 2025-03 |
| Transport | ONS Living Costs and Food Survey FYE2025, 'Family spending in the UK' Apr 2024–Mar 2025 (weekly × 52/12) — running a vehicle + transport services | คำนวณขึ้นเอง | 2025-03 |
| Phone, internet and devices | ONS Living Costs and Food Survey FYE2025, 'Family spending in the UK' Apr 2024–Mar 2025 (weekly × 52/12) | คำนวณขึ้นเอง | 2025-03 |
| Everything else | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Private cover, if you carry any | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Out-of-pocket buffer | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| healthcare.recurring_treatment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Household help | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Childcare | Coram childcare survey, quoted by daynurseries.co.uk (£188.75/wk) | แหล่งข้อมูลทุติยภูมิ | 2026 |
| School fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Tuition and coaching | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Higher education reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Personal care and clothing | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning and self-development | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Monthly subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Pets | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Regular medication | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Routine consultations | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Health check-ups and screening | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dependants’ health costs | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other household staff | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Extra-curricular fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Training and exams | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Council tax | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Service charge | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Repairs reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Home insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dining and entertainment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Hobbies and interests | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Gifts and giving | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Ordinary travel | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Major trips | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
การเทียบกับครัวเรือนอื่น
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Household wealth survey | Office for National Statistics, Household total wealth in Great Britain, April 2020 to March 2022 (Wealth and Assets Survey, Round 8), Table 2.1 | วัดจากข้อมูลจริง | 2022 |
| Tax on withdrawals | HM Revenue & Customs, Capital Gains Tax rates and allowances — 18% basic rate, 24% higher rate | วัดจากข้อมูลจริง | 2026 |
ตัวเลขของฟรีดอม แลดเดอร์
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| How much shares swing in a year | OECD (via FRED), OECD share-price index, United Kingdom (SPASTT01GBM661N) — annualised standard deviation of returns | คำนวณขึ้นเอง | 2025 |
| How much bonds swing in a year | Nivritee, from published government yields, Bond sleeve volatility, derived from government yields (Monthly, 2006-2025) | คำนวณขึ้นเอง | 2025 |
| How shares and bonds move together | Nivritee, from published index and yield series, Correlation of monthly equity and bond returns (Monthly, 2006-2025) | คำนวณขึ้นเอง | 2025 |
| Typical borrowing rate: unsecured | Bank of England, BoE CFMZ6IR, effective rate on interest-charging credit cards | วัดจากข้อมูลจริง | 2026 |
| Typical borrowing rate: other | Bank of England, BoE CFMZ6K5, new personal loans, effective | วัดจากข้อมูลจริง | 2026 |
| Typical borrowing rate: home | Bank of England, BoE CFMZ6JM, effective rate on new mortgages | วัดจากข้อมูลจริง | 2026 |
| Typical borrowing rate: car | Bank of England, Representative motor finance annual percentage rate | คำนวณขึ้นเอง | 2026 |
เงินฝาก
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Typical deposit rate | Bank of England IUMWTFA, 12-month deposit rate — Bank of England IUMWTFA, quoted 1-year fixed-rate bond, Sep 2026 | วัดจากข้อมูลจริง | 2026 |
ประเทศไทย
26 จาก 56 ตัวเลข สืบย้อนไปถึงผู้เผยแพร่ที่ระบุชื่อได้
อัตราตั้งต้นของแผน
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Everyday inflation | Bank of Thailand, Monetary policy target for 2026, 1–3% | วัดจากข้อมูลจริง | 2026-01 |
| School cost inflation | Trade Policy and Strategy Office, Ministry of Commerce, CPI elementary, general secondary and vocational secondary fees, weighted by the 2023 basket, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| University cost inflation | Trade Policy and Strategy Office, Ministry of Commerce, CPI university fees, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Medical cost inflation | WTW, 2026 Global Medical Trends Survey — Thailand, gross | วัดจากข้อมูลจริง | 2025-10 |
| Income growth | International Labour Organization (Thai Labour Force Survey), Average monthly earnings of employees (EAR_EMTA_SEX_NB_A), 2014–2025 | คำนวณขึ้นเอง | 2025 |
| Return while you are working | Nivritee returns rule, Bank of Thailand target, midpoint of 1–3%; DMS, UBS Global Investment Returns Yearbook 2025, summary edition (1900–2024), p.6, world index (no Thai series) | สมมติฐานของเรา | 2026-10 |
| Return after financial independence | Nivritee returns rule, Thai Bond Market Association government yield curve, 10-year, mean Oct 2021–Sep 2026 | สมมติฐานของเรา | 2026-10 |
ค่าใช้จ่ายทั่วไป
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Insurance premium | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| healthcare.recurring_treatment | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Childcare | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Tuition and coaching | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Higher education reserve | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Maintenance or society fee | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Home insurance | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Regular medication | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Routine consultations | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Health check-ups and screening | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Dependants’ health costs | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Extra-curricular fees | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Training and exams | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Learning subscriptions | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Extra utilities at home all day | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Groceries and household supplies | NSO Thailand SES 2025, Table C.7, Greater Bangkok per household × 2/2.3 — ingredients + non-alcoholic beverages at home (4,195) | คำนวณขึ้นเอง | 2025 |
| Utilities | NSO Thailand SES 2025, Table C.7, Greater Bangkok per household × 2/2.3 — fuel, lighting & water (1,530) | คำนวณขึ้นเอง | 2025 |
| Transport | NSO Thailand SES 2025, Table C.7, Greater Bangkok per household × 2/2.3 — vehicle repair 441 + local transport 2,221 | คำนวณขึ้นเอง | 2025 |
| Phone, internet and devices | NSO Thailand SES 2025, Table C.7, Greater Bangkok per household × 2/2.3 — communication (1,195) | คำนวณขึ้นเอง | 2025 |
| Everything else | NSO Thailand SES 2025, Table C.7, Greater Bangkok per household × 2/2.3 — apparel + personal care + recreation + ceremony (1,886) | คำนวณขึ้นเอง | 2025 |
| Out-of-pocket buffer | NSO Thailand SES 2025, Table C.7, Greater Bangkok per household × 2/2.3 — medical & health care (359) | คำนวณขึ้นเอง | 2025 |
| Household help | Ministry of Labour (Ministerial Regulation No. 15, B.E. 2567); Bangkok minimum wage, Domestic workers paid not less than the minimum wage; 400 baht a day in Bangkok from July 2025 | สมมติฐานของเรา | 2025-07 |
| Driver | Ministry of Labour (Ministerial Regulation No. 15, B.E. 2567); Bangkok minimum wage, Domestic workers paid not less than the minimum wage; 400 baht a day in Bangkok from July 2025 | สมมติฐานของเรา | 2025-07 |
| Cook | Ministry of Labour (Ministerial Regulation No. 15, B.E. 2567); Bangkok minimum wage, Domestic workers paid not less than the minimum wage; 400 baht a day in Bangkok from July 2025 | สมมติฐานของเรา | 2025-07 |
| School fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Personal care and clothing | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning and self-development | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Monthly subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Pets | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other household staff | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Property tax | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Repairs reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dining and entertainment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Hobbies and interests | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Gifts and giving | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Ordinary travel | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Major trips | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
การเทียบกับครัวเรือนอื่น
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Household income survey | National Statistical Office, Thailand, Household Socio-Economic Survey 2023, Statistical Yearbook Thailand 2025, Tables 8.1–8.2 | วัดจากข้อมูลจริง | 2023 |
| Tax on withdrawals | Revenue Department, Thailand, Guide to Personal Income Tax Return (ภ.ง.ด.90); SET tax information | วัดจากข้อมูลจริง | 2024 |
ตัวเลขของฟรีดอม แลดเดอร์
เงินฝาก
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Typical deposit rate | Siam Commercial Bank 12-month fixed deposit, 12-month deposit rate — Siam Commercial Bank 12-month fixed deposit, from 1 Oct 2026 | วัดจากข้อมูลจริง | 2026 |
สหรัฐอาหรับเอมิเรตส์
36 จาก 56 ตัวเลข สืบย้อนไปถึงผู้เผยแพร่ที่ระบุชื่อได้
อัตราตั้งต้นของแผน
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Everyday inflation | International Monetary Fund, World Economic Outlook (October 2026) — UAE, 2031 projection | วัดจากข้อมูลจริง | 2026-10 |
| School cost inflation | KHDA (Dubai), reported by WAM and the Dubai Media Office, Education Cost Index: 2.6% for 2024-25, 2.35% for 2025-26; fees frozen for 2026-27 | คำนวณขึ้นเอง | 2026-05 |
| University cost inflation | KHDA (Dubai), reported by WAM and the Dubai Media Office, Education Cost Index: 2.6% for 2024-25, 2.35% for 2025-26; fees frozen for 2026-27 | คำนวณขึ้นเอง | 2026-05 |
| Medical cost inflation | Aon, 2026 Global Medical Trend Rates report — the UAE, gross | วัดจากข้อมูลจริง | 2025-10 |
| Income growth | Korn Ferry and Cooper Fitch employer surveys, UAE salary budgets: 3.4% for 2026 (Korn Ferry); 2.6% paid in 2025 (Cooper Fitch) | สมมติฐานของเรา | 2026-08 |
| Return while you are working | Nivritee returns rule, IMF World Economic Outlook (October 2026) medium-term CPI projection; CBUAE has no target; DMS, UBS Global Investment Returns Yearbook 2025, summary edition (1900–2024), p.6, world index (no UAE series exists) | สมมติฐานของเรา | 2026-10 |
| Return after financial independence | Nivritee returns rule, US 10-year Treasury (H.15 GS10) mean Oct 2021–Sep 2026; the dirham is pegged to the dollar and no AED 10-year exists | สมมติฐานของเรา | 2026-10 |
ค่าใช้จ่ายทั่วไป
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Extra utilities at home all day | Real Estate Club Dubai, checked against the DEWA slab tariff, Utilities & monthly bills in Dubai | แหล่งข้อมูลทุติยภูมิ | 2026-03 |
| Groceries and household supplies | Dubai Statistics Center; Real Estate Club Dubai, Household Income and Expenditure Survey 2019, food per person; couple groceries 2026 | คำนวณขึ้นเอง | 2026-02 |
| Utilities | DEWA, Residential slab tariff | คำนวณขึ้นเอง | 2026-05 |
| Transport | RTA; UAE Fuel Price Committee (via press), nol fares; October 2026 fuel prices | คำนวณขึ้นเอง | 2026-10 |
| Phone, internet and devices | du and e&, Home internet and postpaid tariffs | คำนวณขึ้นเอง | 2026-10 |
| Everything else | Dubai Statistics Center, Household Income and Expenditure Survey 2019 | คำนวณขึ้นเอง | 2019 |
| Insurance premium | Dubai Health Authority; LookInsure, Essential Benefits Plan index rate AED 550–750 per member; private plan prices | คำนวณขึ้นเอง | 2025-12 |
| Out-of-pocket buffer | Dubai Health Authority, Essential Benefits Plan co-pays | คำนวณขึ้นเอง | 2025-01 |
| healthcare.recurring_treatment | Dubai Health Authority, Essential Benefits Plan: 30% drug co-pay to AED 2,500 a year | คำนวณขึ้นเอง | 2025-01 |
| Household help | Wathim; GCC Domestic, Hiring a maid in Dubai: cost by nationality; Tadbeer fees | แหล่งข้อมูลทุติยภูมิ | 2026-06 |
| Driver | Job adverts, 2025–26, Family driver salaries in Dubai | แหล่งข้อมูลทุติยภูมิ | 2026 |
| Cook | Job adverts, 2025–26, Housekeeper-cook and private chef salaries in Dubai | แหล่งข้อมูลทุติยภูมิ | 2026 |
| Childcare | UAE nursery fee guides; Numbeo, Full-time nursery fees in Dubai | แหล่งข้อมูลทุติยภูมิ | 2026-10 |
| School fees | KHDA-approved fees, reported by Gulf News and Khaleej Times, Dubai private school fees 2026-27 | วัดจากข้อมูลจริง | 2026-07 |
| Tuition and coaching | Tutoring agencies, Private tutoring rates in Dubai | แหล่งข้อมูลทุติยภูมิ | 2026 |
| Higher education reserve | American University of Sharjah; University of Birmingham Dubai; UAE University, Published tuition, 2026-27 | คำนวณขึ้นเอง | 2026 |
| Personal care and clothing | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning and self-development | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Monthly subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Pets | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Regular medication | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Routine consultations | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Health check-ups and screening | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dependants’ health costs | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other household staff | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Extra-curricular fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Training and exams | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Property tax | Dubai Municipality (via property guides), Housing fee: 5% of annual rental value | คำนวณขึ้นเอง | 2026 |
| Maintenance or society fee | Property guides, Dubai service charges | แหล่งข้อมูลทุติยภูมิ | 2026 |
| Repairs reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Home insurance | Insurance brokers, Home contents and building cover in Dubai | แหล่งข้อมูลทุติยภูมิ | 2026 |
| Dining and entertainment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Hobbies and interests | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Gifts and giving | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Ordinary travel | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Major trips | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
การเทียบกับครัวเรือนอื่น
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Household wealth survey | UBS, Global Wealth Databook 2023, Table 3-1 (p.126): United Arab Emirates, wealth per adult, end-2022 | วัดจากข้อมูลจริง | 2022 |
| Tax on withdrawals | Federal Tax Authority (UAE); PwC Worldwide Tax Summaries, No personal income tax or capital gains tax on individuals (PwC, reviewed 9 September 2026) | วัดจากข้อมูลจริง | 2026 |
ตัวเลขของฟรีดอม แลดเดอร์
เงินฝาก
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Typical deposit rate | First Abu Dhabi Bank 12-month AED fixed deposit, 12-month deposit rate — First Abu Dhabi Bank 12-month AED fixed deposit, 16 Oct 2026 | วัดจากข้อมูลจริง | 2026 |
ฟิลิปปินส์
28 จาก 56 ตัวเลข สืบย้อนไปถึงผู้เผยแพร่ที่ระบุชื่อได้
อัตราตั้งต้นของแผน
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Everyday inflation | Bangko Sentral ng Pilipinas, Inflation target 3% ±1, through 2028 | วัดจากข้อมูลจริง | 2026-01 |
| School cost inflation | Philippine Statistics Authority, CPI early childhood, primary and secondary education, weighted by the 2018 basket, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| University cost inflation | Philippine Statistics Authority, CPI tertiary education, 2015–2025 | คำนวณขึ้นเอง | 2025 |
| Medical cost inflation | WTW, 2026 Global Medical Trends Survey — the Philippines, gross | วัดจากข้อมูลจริง | 2025-10 |
| Income growth | Philippine Statistics Authority, Labor Force Survey, average daily basic pay (0161B3FADB2), Jul 2016–Jul 2026 | คำนวณขึ้นเอง | 2026-07 |
| Return while you are working | Nivritee returns rule, Bangko Sentral ng Pilipinas target, 3% ±1 to 2028; DMS, UBS Global Investment Returns Yearbook 2025, summary edition (1900–2024), p.6, world index (no Philippine series) | สมมติฐานของเรา | 2026-10 |
| Return after financial independence | Nivritee returns rule, Investing.com Philippines 10-year bond yield, daily closes, mean Oct 2021–Sep 2026 (secondary: the BVAL history is not public) | สมมติฐานของเรา | 2026-10 |
ค่าใช้จ่ายทั่วไป
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Tuition and coaching | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Higher education reserve | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Maintenance or society fee | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Home insurance | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Extra-curricular fees | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Training and exams | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Learning subscriptions | No published figure for this line in this country yet, so nothing is compared. | มีคำอธิบาย | — |
| Extra utilities at home all day | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Groceries and household supplies | PSA FIES 2023, NCR two-person families ₱26,302/mo (Table 10) × NCR all-family shares (Table 7), brought to Sep 2026 prices (×1.1153) — food consumed at home 27.8% | คำนวณขึ้นเอง | 2026-09 |
| Utilities | PSA FIES 2023, NCR two-person families ₱26,302/mo (Table 10) × NCR all-family shares (Table 7), brought to Sep 2026 prices (×1.1153) — CPI 2018 NCR weights electricity, gas, fuels + water = 8.92% | คำนวณขึ้นเอง | 2026-09 |
| Transport | PSA FIES 2023, NCR two-person families ₱26,302/mo (Table 10) × NCR all-family shares (Table 7), brought to Sep 2026 prices (×1.1153) — transport 6.3% | คำนวณขึ้นเอง | 2026-09 |
| Phone, internet and devices | PSA FIES 2023, NCR two-person families ₱26,302/mo (Table 10) × NCR all-family shares (Table 7), brought to Sep 2026 prices (×1.1153) — information & communication 3.8% | คำนวณขึ้นเอง | 2026-09 |
| Everything else | PSA FIES 2023, NCR two-person families ₱26,302/mo (Table 10) × NCR all-family shares (Table 7), brought to Sep 2026 prices (×1.1153) — personal care + clothing + recreation + special occasions 6.9% | คำนวณขึ้นเอง | 2026-09 |
| Insurance premium | PSA FIES 2023, NCR two-person families ₱26,302/mo (Table 10) × NCR all-family shares (Table 7), brought to Sep 2026 prices (×1.1153) — insurance and financial services 3.1% | คำนวณขึ้นเอง | 2026-09 |
| Out-of-pocket buffer | PSA FIES 2023, NCR two-person families ₱26,302/mo (Table 10) × NCR all-family shares (Table 7), brought to Sep 2026 prices (×1.1153) — health 2.8% | คำนวณขึ้นเอง | 2026-09 |
| healthcare.recurring_treatment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Household help | NWPC Wage Order NCR-DW-06, effective 7 Feb 2026 | คำนวณขึ้นเอง | 2026-02 |
| Driver | Wage Order NCR-28 ₱755/day (₱718 small employers), effective 26 Sep 2026, × 26 days (assumed) | คำนวณขึ้นเอง | 2026-09 |
| Cook | NWPC Wage Order NCR-DW-06; RA 10361 s.4(d) names cook, Cook takes the kasambahay minimum; ≈₱9,666 with on-costs (derived). | คำนวณขึ้นเอง | 2026-02 |
| Childcare | NWPC Wage Order NCR-DW-06; RA 10361 s.4(d) names nursemaid/yaya, A nanny wage floor, not a daycare fee; ≈₱9,666 with on-costs (derived). | คำนวณขึ้นเอง | 2026-02 |
| School fees | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Personal care and clothing | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Learning and self-development | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Monthly subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Pets | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other insurance | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Regular medication | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Routine consultations | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Health check-ups and screening | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dependants’ health costs | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Other household staff | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Property tax | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Repairs reserve | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Dining and entertainment | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Subscriptions | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Hobbies and interests | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Gifts and giving | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Ordinary travel | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
| Major trips | Derived from a metro-household cost anchor, not a published survey. Reviewed 2026-08-05. | มีคำอธิบาย | — |
การเทียบกับครัวเรือนอื่น
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Household income survey | Philippine Statistics Authority, 2023 Family Income and Expenditure Survey, OpenSTAT Tables 1, 5, 12 | วัดจากข้อมูลจริง | 2023 |
| Tax on withdrawals | Bureau of Internal Revenue, Philippines, RR No. 21-2025 digest (CMEPA, RA 12214), individuals, effective 1 July 2025 | วัดจากข้อมูลจริง | 2025 |
ตัวเลขของฟรีดอม แลดเดอร์
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| How much shares swing in a year | Philippine Stock Exchange (via CNBC), PSEi, daily closes — annualised standard deviation of returns | คำนวณขึ้นเอง | 2025 |
| How much bonds swing in a year | Nivritee, Assumed annualised standard deviation for a short-to-medium duration bond sleeve | สมมติฐานของเรา | 2026 |
| How shares and bonds move together | Nivritee, Assumed equity-to-debt return correlation | สมมติฐานของเรา | 2026 |
| Typical borrowing rate: unsecured | Bangko Sentral ng Pilipinas, Circular 1165 — credit card ceiling of 3% a month | วัดจากข้อมูลจริง | 2023 |
| Typical borrowing rate: other | Social Security System, SSS salary loan rate, from July 2025 | วัดจากข้อมูลจริง | 2025 |
| Typical borrowing rate: home | BDO (via Gulf News, 1 September 2026), Bank home loan, 3-year fixed | วัดจากข้อมูลจริง | 2026 |
| Typical borrowing rate: car | BDO (via expressway.ph), Auto loan, 7.5% (12 months) to 10.5% (60 months) on the declining balance | คำนวณขึ้นเอง | 2026 |
เงินฝาก
| ตัวเลข | อ้างอิงจากอะไร | ประเภท | ข้อมูล ณ |
|---|---|---|---|
| Typical deposit rate | BPI 365-day Peso Auto Renew time deposit, 12-month deposit rate — BPI 365-day Peso Auto Renew time deposit, ₱50k–499k (read 17 Oct 2026) to Metrobank’s online time deposit, 30–364 days (from 13 Apr 2026) | คำนวณขึ้นเอง | 2026 |