Freedom Path is a Compass Home zone that answers one forward-looking question for the focus you have selected: when tracked debt is projected to end, or how much of monthly expenses recorded income already covers. It does not combine the two into a single score.
Debt payoff focus: your debt-free date
The debt-free date comes from your own saved sequence in the Debt Sequencer — the order you selected (APR first, lowest balance first, cash flow first, the whole life banking path, or a custom order), replayed against your current tracked balances. Policy Stack never selects or invents a payoff order on your behalf; if no sequence is saved yet, Freedom Path prompts you to build one instead of guessing.
The debt-free date is labeled Modeled. It is a projection built from your saved plan and current balances, not a recorded or guaranteed outcome. Interest avoided compares your saved sequence against paying only minimums on the same debts.
Wealth focus: expense coverage
The coverage percentage compares two figures that are not modeled:
- Passive income — recorded cash flow from your deployments and promissory notes, the same figures used elsewhere in Capital and Performance
- Monthly expenses — a number you enter directly and can change at any time
Because both sides are either recorded or user-entered, Freedom Path does not label this comparison Modeled or Projected the way the debt-free date is.
Why coverage includes return of principal — and why it can decline
When a promissory note pays you back, part of each payment is interest and part is a return of the principal you originally lent. Freedom Path counts both in passive income, because the money reaches your account either way and excluding it would understate what you actually received.
That also means part of your coverage figure is finite. A note stops paying once it matures, so the return-of-principal portion of that note's contribution ends on its maturity date. When a contributing note matures, coverage can go down even though nothing about your recorded income sources or expenses changed — that is expected arithmetic, not a setback. Freedom Path shows the monthly return-of-principal amount and the date it runs through so the eventual decline is visible ahead of time rather than a surprise.
Both focus
With Both selected, the debt-free date and the coverage figure sit side by side. There is no blended metric, crossover score, or single number combining them — reading them side by side is a deliberate choice, not a placeholder for one that is coming later.