FIRE TRAJECTORY
Settings
Profile
Display Name
Your name for this account
Email
Your login email address
—
Account Type
Changes saved
TOTAL DEBT
$0
MIN PAYMENTS / MO
$0
DEBT FREE IN
—
INTEREST SAVED
$0
PAYOFF METHOD
PRO
Targets the smallest debt first. Every other debt still gets its minimum.
EXTRA PER MONTH
$
Pay more than your minimums to get debt-free faster
Budget
→
Monthly Income
—
Bills & Expenses
—
Remaining
—
Savings Goals
→
Active Goals
—
Total Saved
—
Total Target
—
Debt Payoff
→
Total Debt
—
Debts Tracked
—
Min Payments/mo
—
Subscriptions
→
Active Subs
—
Monthly Total
—
Annual Cost
—
Net Worth & FIRE Progress
→
Total Assets
—
Total Liabilities
—
Net Worth
—
Progress to FIRE
—
Investable assets toward goal
Target: —
Retirement
→
Retire Age
—
Years Away
—
Projected Balance
—
Monthly Income
—
FIRE Health Score
FIRE Score
—
FIRE Milestones
FIRE Calculators
PRO
Advanced Planning Tools
PRO
Pro Shortcuts
Loading...
Sun
Mon
Tue
Wed
Thu
Fri
Sat
Monthly Income
TOTAL MONTHLY · No active sources
$0
AFTER ALL BILLS
$0
0% free
Fixed Monthly Bills
Debt Obligations — from Debt tab
No debts tracked yet
Add loans, credit cards, or other obligations to see a unified payoff view.
Subscriptions — from Subscriptions tab
No subscriptions tracked
Track recurring charges to catch silent spend and forecast your monthly outflow.
Savings Obligations — from Savings tab
No savings goals set
Create a target — emergency fund, down payment, sinking fund — and we'll track the runway for you.
Budget Summary
Monthly Income$0
Fixed Bills−$0
Debt Payments−$0
Subscriptions−$0
Savings Goals−$0
Remaining / Month
$0
Savings Rate Trend PRO
Last 24 months
Savings Goals
Set targets, track contributions, and reach every milestone
Filter:
Sort:
Your Debts
Payoff Timeline
Based on your current balances, rates, and payoff method.
Priority order vs. Payoff timeline
Priority is the order your extra payment is directed. Snowball targets the smallest balance first; Avalanche targets the highest APR.
The timeline below shows the actual chronological order each debt hits $0. Those two don't always match — sometimes a smaller debt finishes from its minimum payment alone before a higher-priority debt gets knocked out.
Priority target Currently receiving your extra payment.
Paid early Finished sooner than its priority rank — often a small balance, or a minimum payment that's large relative to the balance.
Delayed Finished later than its priority rank — usually a larger balance, or a minimum payment that's small relative to the balance.
No payoff plan yet
Add at least one debt with a balance and rate to generate a month-by-month timeline.
Method Comparison PRO
Snowball vs Avalanche — which saves you more?
Subscriptions
Track your recurring costs and spot savings opportunities
Total Assets
—
Total Liabilities
—
Net Worth
—
Cash & Savings
$0
Retirement Accounts
$0
Investments & Brokerage
$0
Non-retirement only. Taxable brokerage earmarked for FIRE belongs in the Retirement tab to avoid double-counting.
₿ Crypto
$0
Only list crypto here if it's not already entered as Crypto in the Retirement tab.
Real Estate
$0
Vehicles
$0
Other Assets
$0
Liabilities
$0
Net Worth History PRO
Monthly trend of your assets, liabilities, and net worth
$0
Your Numbers
Current Age
Target Retirement Age
FIRE · 25 yrs
40 FIRE75 Late
Nominal Return %
Historical avg
3% Conservative15% Optimistic
≈ 6.8% real (inflation-adjusted)
How real return is calculated
Employer Plans
AccountBalanceAnnual Contrib
401(k)
403(b)
457(b)
Roth 401(k)
Solo 401(k)
IRA Accounts
AccountBalanceAnnual Contrib
Traditional IRA
Roth IRA
Rollover IRA—
SEP-IRA
SIMPLE IRA
Health & Tax-Advantaged
AccountBalanceAnnual Contrib
HSA
Partner's Accounts
AccountBalanceAnnual Contrib
Partner 401(k)
Partner 403(b)
Partner 457(b)
Partner Trad. IRA
Partner Roth IRA
Partner Rollover IRA—
Partner HSA
Taxable & Other
When should I enter balances here?
Only enter balances here if you plan to use these as retirement money. Assets you're holding for other goals (and already tracking in Net Worth) should stay there — otherwise they'll inflate your retirement projection.
AccountBalanceAnnual Contrib
Taxable Brokerage
I Bonds / Treasury
Cryptocurrency
Pension—
Annuity
Real Estate / REITs
Other
Current Pace
Contributions stay exactly as-is today
Moderate Boost
+10% on every contribution
Aggressive Growth
+25% on every contribution
Portfolio Value Over Time — All Scenarios
Projected Total at Age 55 (today's $)
—
4% Rule Monthly Income (today's $)
—/mo
Advanced Planning Tools
Sequence of Returns Risk
See how early portfolio crashes devastate retirement vs. the same average return in a good order
$
$
Both scenarios use the same average return — only the timing differs. An early crash + withdrawals permanently reduce the base, illustrating sequence-of-returns risk.
Monte Carlo Simulator
Run thousands of random market scenarios to find your true probability of retirement success
$
$
Each simulation draws a random annual return from a normal distribution. Bands show P10–P90 range; the bold line is the median (P50) outcome.
Roth Conversion Ladder
Plan annual Traditional → Roth conversions to minimize taxes and fund early retirement before 59½
$
$
$
$
Nominal (before inflation) — matches the nominal tax brackets used below. Balances shown are in future dollars, not today's.
Uses 2026 federal tax brackets and standard deduction ($15,750 single / $31,500 MFJ). Roth conversion amounts become accessible penalty-free after 5 years (the "ladder"). State rates are approximate marginal rates — consult a tax advisor for precise figures.
Withdrawal Strategy Simulator
Compare drawdown strategies to see how long your portfolio lasts in retirement
$
$
| Strategy | Yr 10 | Yr 30 | Outcome |
|---|
Social Security Optimizer
Find your optimal claiming age to maximize lifetime benefits
$
$
Estimates based on 2026 SSA bend points and benefit formulas. For exact figures, check your statement at ssa.gov.
Geographic Arbitrage Calculator
See how retiring abroad reduces your FIRE number and timeline
Recommended Resources
Vetted tools, brokerages, and services I personally recommend to help you reach FIRE faster.
Affiliate Disclosure: Some links on this page are referral links. If you sign up through them, we may earn a commission — at no extra cost to you. We only recommend tools we'd use ourselves.
Loading resources…
Product Roadmap
What's Coming Next
See what we're building, submit your ideas, and vote on what gets built next.
Loading roadmap...
Feature Requests
Vote & Submit
Approved Requests
0
Loading feature requests...