Financial Freedom Number (FFN) Amount of money you need saved and working for you so you don’t have to work for money Finance | What is your ideal monthly income? How many years until you want to stop working? Future Monthly Income Needed (Based on 3% inflation.) Future Annual Income Needed How many years do you want your income to last? YOUR FINANCIAL FREEDOM NUMBER (FFN) Your FFN FFN assumes a 6% return in retirement and 3% annual increases in withdraws.