FIRE TRAJECTORY
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Profile
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Email
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Account Type
TOTAL DEBT
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MIN PAYMENTS / MO
$0
DEBT FREE IN
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INTEREST SAVED
$0
PAYOFF METHOD
🔒 PRO
Snowball: Pay smallest balance first — builds momentum fast (Ramsey Method)
Budget
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Monthly Income
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Bills & Expenses
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Remaining
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Savings Goals
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Active Goals
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Total Saved
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Total Target
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Debt Payoff
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Total Debt
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Debts Tracked
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Min Payments/mo
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Subscriptions
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Active Subs
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Monthly Total
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Annual Cost
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Net Worth & FIRE Progress
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Total Assets
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Total Liabilities
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Net Worth
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Progress to FIRE
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Investable assets toward goal
Target: —
Retirement
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Retire Age
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Years Away
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Projected Balance
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Monthly Income
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FIRE Health Score
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FIRE Score
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FIRE Milestones
🔥 Pro Tools
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Monthly Income
NET TAKE-HOME / MONTH
$
AFTER ALL BILLS
$0
0% free
Fixed Monthly Bills
Debt Obligations — from Debt tab
No debts added yet. Add them in the Debt tab.
Subscriptions — from Subscriptions tab
No subscriptions — add them in the Subscriptions tab.
Savings Obligations — from Savings tab
No active savings goals found.
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
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Your Debts
Payoff Timeline
Add debts to see your payoff plan.
Method Comparison PRO
Snowball vs Avalanche — which saves you more?
❄️ Snowball
Lowest balance first
38 months
$2,840 total interest
🔥 Avalanche
Highest rate first
34 months
$1,920 total interest
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Pro Feature
Subscriptions
Track your recurring costs and spot savings opportunities
Total Assets
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Total Liabilities
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Net Worth
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💵 Cash & Savings
$0
📈 Retirement Accounts
$0
📊 Investments & Brokerage
$0
₿ Crypto
$0
🏠 Real Estate
$0
🚗 Vehicles
$0
💼 Other Assets
$0
🏔 Liabilities
$0
Net Worth History PRO
Monthly trend of your assets, liabilities, and net worth
Current Portfolio Snapshot — $0 · $0/yr in contributions
⚙ Your Numbers
Current Age
Target Retirement AgeAge 55 · 25 yrs
40 FIRE55 Early67 Full
Avg Annual Return %
5% Conservative7% Avg9% Optimistic
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
AccountBalanceAnnual Contrib
Taxable Brokerage
529 Plan
I Bonds / Treasury
Cryptocurrency
Pension—
Annuity
Real Estate / REITs
Other
Total Portfolio$0
Current Pace
Contributions stay exactly as-is today
Moderate Boost
Primary plan grows +$4K/yr after year 5
Aggressive Growth
Max employer contributions after year 5
Portfolio Value Over Time — All Scenarios
Projected Total at Age 55
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4% Rule Monthly Income
—/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
Uses 2025 federal tax brackets and standard deduction ($15,000 single / $30,000 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 2025 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.
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