★★★★★
Honestly I was just using a spreadsheet before this. Having everything in one place — budget, debt, net worth, FIRE date — is a game changer. I check it most mornings now.
Know your FIRE number. See your exact retirement date. Track every dollar between now and financial freedom — all in one dashboard.
Eleven powerful tools, one seamless platform.
Your FIRE command center. See your invested assets, FIRE number, FIRE date, years away, and milestone badges — all at a glance.
Track monthly income, fixed bills by category, and a built-in bill calendar. See exactly where every dollar goes.
Choose Snowball or Avalanche, add extra payments, and see your exact debt-free date. Watch the payoff chart update in real time.
Set savings targets with priority levels and deadlines. Track progress toward each goal with weekly or monthly contributions.
Track cash, investments, crypto, real estate, vehicles, and liabilities. See how close you are to your FIRE number in real time.
See every recurring subscription in one place. Know exactly what you're spending monthly so nothing slips through the cracks.
Curated recommendations for brokerages, retirement accounts, and financial tools — plus guides to help you make the best choices.
Model 401k, Roth IRA, 403b, 457b, and more. See three growth scenarios side by side.
Track HSA receipts, contributions, and claim readiness. Attach documents, batch claims, and export yearly reports.
Multiple FIRE calculators covering every path to financial independence. Know exactly when you can retire.
What-if scenario builder, savings rate trends, net worth history, and data export. Plan every move before you make it.
Add your income, bills, debts, and assets. Takes less than 5 minutes.
Instantly see your FIRE number, your exact retirement date, and a personalized FIRE Health Score.
Track your budget, crush debt, and set savings goals. Unlock simulators and projections to optimize every move.
Honestly I was just using a spreadsheet before this. Having everything in one place — budget, debt, net worth, FIRE date — is a game changer. I check it most mornings now.
Switched my debt payoff to Avalanche after seeing the comparison and it shaved a couple years off. Would love a mobile app eventually, but the site works fine on my phone.
We tried Monarch and YNAB but neither one showed us when we could actually retire. This does. My wife and I use the household view and it's the first time we've been on the same page about money.
I built Fire Trajectory because I couldn't find a tool that did what I needed. I didn't just want to budget — I wanted to know my FIRE number, see when I could retire, and track every piece of the puzzle in one place. So I built it. If you're chasing FIRE, this was made for you.
Start free forever. Upgrade when you're ready for advanced tools.