Transition Fund Calculator ™
A proprietary framework by LyfStyled to help you prepare financially for intentional life changes.
What is a Transition Fund™
A Transition fund™ is a financial cushion designed to provide flexibility in making lifestyle or career changes without the fear of financial instability. Essentially, it’s a strategic financial tool that supports your next big move with confidence and security.
Unlike traditional savings, your Freedom Fund is proactive, not reactive. It’s built with purpose, aligning with your long-term goals so you can create wealth while protecting your lifestyle freedom.
By using this calculator, you’re taking an intentional step toward designing a lifestyle of freedom where you control your time, income, and opportunities. Ready to build your Freedom Fund? Let’s get started.
A Message from Ivy K. Kitchin, creator of the Transition Fund Calculator™
This tool is part of my personal journey to build lifestyle and financial freedom—and now you get to use it too. I’m offering free access to the first 100 people ready to plan their transition. Let me know what you think.” Ready to build your Freedom Fund? Let’s get started.
Monthly Expenses
Current Monthly Expenses
Your current monthly expenses include all the essential and lifestyle costs you incur each month. Make sure to include:
- Housing: Rent, mortgage, property taxes, utilities
- Transportation: Car payments, fuel, public transport, insurance
- Insurance: Health, home, auto, life insurance
- Personal Care: Medical expenses, prescriptions, self-care, grooming, food, self development
- Dependents: Childcare, pet expenses.
- Subscriptions & Entertainment: Streaming services, memberships, hobbies
- Debt Payments: Credit cards, student loans, personal loans
- Savings & Investments: Any automatic savings or retirement contributions
- Other Expenses: Out of pocket business expenses
Expected after the transition
Your expenses might change after transitioning into your next phase. To determine your estimated expected expenses after the transition, ask yourself the follwoing questions:
Will you move to a lower or higher cost of living area?
Will certain expenses decrease (e.g., no more commuting) or increase (e.g., private health insurance)?
Will new business-related costs emerge if you’re starting a venture?
Will you need to budget for an extended period without income?
Adjust your expected expenses accordingly to reflect the reality of your transition.
Find your local inflation rate
Inflation affects your purchasing power over time. To get an accurate estimate of your local inflation rate:
Check government economic reports (e.g., Statistics agencies, Central Banks)
Visit financial news websites that report annual inflation trends
Look at consumer price index (CPI) data for your country or region.
Use this rate to ensure your Freedom Fund accounts for future price increases.
What is the Additional Buffer?
The additional buffer is a financial cushion added on top of your calculated Freedom Fund to cover unexpected expenses. It protects you from:
Delayed income from a new job or business
Unexpected medical or emergency costs
Market fluctuations or economic downturns
A recommended buffer is at least 10-20% of your total fund goal, but you can adjust this based on your risk tolerance and transition plan.
Transition Fund Calculator™
Your Freedom Fund Goal:
© 2025 LyfStyled by Ivy K. Kitchin. All rights reserved.
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© 2025 LyfStyled by Ivy K. Kitchin. All rights reserved.
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Legal Notice:
This calculator is part of the proprietary LyfStyled Transition Framework™ created by Ivy K. Kitchin. It is intended for individual use only and may not be reproduced, copied, shared, embedded, or used in any commercial or institutional context without written permission.
© 2025 LyfStyled. All rights reserved.
© 2025 LyfStyled by Ivy K. Kitchin. All rights reserved.