Content preparation
Guides and worked examples are prepared with AI assistance and linked to official references. Source checks and software tests do not replace independent professional review.
Deterministic calculations
Financial arithmetic is implemented in typed application code, not performed by a language model. Each tool describes its formula, timing, input units, exclusions and source-dependent assumptions. Outputs are rounded for display; calculations retain greater precision internally.
Period conversions
Weekly × 52; fortnightly × 26; monthly × 12; annual × 1. A 28-day recharge uses 365 ÷ 28. Monthly equivalents divide annual totals by 12. These are conventions, not a calendar-day cash-flow schedule.
Financial projections
Rates, growth and future costs are assumptions. Sensitivity cases are not confidence intervals. A target crossing, weighted score or modelled cash flow is not a guarantee or a complete suitability assessment.
Validation
Numerical and workflow tests check implementation consistency and edge cases. Independent professional review, population-scale capacity tests and a comprehensive assistive-technology audit have not been completed.
The Freedom Clock has a quick accessible-only threshold model and a separate Australian personal-plan bridge model. Read the methodology beside each before comparing them.
Updated 22 October 2026