Find your FIRE number, track your progress
FIRE Journey builds your plan, analyzes your finances and brings you along on a journey to financial independence
The dashboard for a demo household. Every number is recomputed nightly from linked balances, real spending and a tax-aware projection engine.
One trail from your first account to your last paycheck.
- 01BalancesLink every account
- 02SpendingKnow your real burn rate
- 03PlanGet your number and date
- 04Stress testSurvive the bad years
- 05ProgressTrack it every month
- 06FIREWork becomes optional
Your number comes from your life, not a rule of thumb.
Most calculators ask you to guess what you spend. FIRE Journey reads it from your accounts, then keeps the number honest every month after.
- ChaseChecking$12,480
- VanguardBrokerage$318,200
- Empower401(k)$224,900
- RobinhoodRoth IRA$41,300
- CitiCredit card-$2,140
- HSAManual$17,660
Link everything, once
Banks, brokerages, retirement accounts and crypto sync through Plaid. Anything else, type in a balance. Every account rolls into one FIRE portfolio.
- Housing$2,150
- Everything else$1,283
- Food$780
- Health$410
- Transport$390
- Travel$320
Learn what you really spend
Transactions are categorized, recurring charges are detected, and a twelve-month average becomes the spending your plan is built on.
Get your number and your date
Spending, savings rate, taxes and returns run through the projection engine and out comes a FIRE number, a FIRE date, and a monthly progress bar.
Every dollar, sorted the moment it clears.
Link a card and the swipes flow straight into one ledger. No receipts, no spreadsheet, no guessing what you actually spend.
- Categorized on arrival
Every charge from every linked card lands sorted. Fix one and the rule sticks.
- Recurring charges watched
Subscriptions get spotted, and you hear about it the month one gets pricier.
- Real spend, real FIRE number
Your actual burn rate feeds the plan, so the target moves with your life.
Then pressure-test it from every angle.
Move a lever and watch the date move with it. Replay the plan against a century of markets. Nothing here is a black box.
Playground
drag the sliderEvery lever in the app moves the date the same way: savings, spending, returns, retirement age, a house sale.
Monte Carlo
10,000 futures, 40 shownEvery FIRE flavor
Coast to FatBacktest
every start year since 1928Plans
compare side by sideUnlimited plans, glide paths and bulk edits. Every scenario keeps its own date.
Know what's waiting on the other side.
Before you hand in your notice, see whether the money survives a bad decade, what you'll pay in tax and health insurance, and when Social Security starts. All of it comes from your one plan.
- ResilienceRetire into 1929, 1966 or 2008 and see whether the plan holds.
- Work a little longerWhat one to three more years buy in odds and spending.
- Social SecurityYour benefit by claim age, with the household breakeven.
- Taxes and withdrawalsWhich accounts pay for each year, the bridge to 59½, and what a Roth conversion costs.
- HealthcareACA premiums before Medicare and the 400% cliff, year by year.
- $52,000 from taxable
- $3,400 in tax
- $4,100 for ACA coverage
A plan you actually come back to.
Monthly reviews, milestones, a seat for your partner and a phone in your pocket. The boring parts of staying on track, made pleasant.
- Savings+1.0
- Markets+1.5
- Spending drift-0.5
Reviews
A recap that says exactly why your FIRE date moved. Savings, markets and spending drift, each given its share of the credit.
Notifications
Milestones crossed, subscriptions that quietly got pricier, a bank link that needs attention. Email or push, your choice per type.
Partner sharing
One household, two people, one date. Your partner gets their own login, their own accounts and the same shared plan.
Mobile
A glance-and-go companion for iOS and Android. Balances, the date, the streak, and push notifications on the day they matter.
Sharing and stories
A read-only proof page for the people who ask how it's going. Or tell your story anonymously alongside everyone else's.
Twelve thousand institutions, one secure link.
Banks, brokerages, 401(k) providers and Coinbase sync nightly through Plaid. Anything without a connection is a manual balance away.
- Credentials never touch us
You log in through Plaid. We receive a token, never a password.
- Read-only, always
Balances, holdings and transactions come in. Nothing goes out.
- Unlink in one click
Remove an institution and its data is deleted with it.
One plan. Everything included.
The full projection engine, withdrawal suite, and tax planner, with your accounts synced automatically. Join now and your founding price never goes up.
Everything in FIRE Journey, at a price locked in for life.
30-day money-back guarantee
FIRE Journey in your pocket.
Glance at your FIRE date, triage new transactions and get milestone alerts from your phone. iOS and Android apps are on the way.
Your number is waiting.
Ten minutes to a FIRE date you can trust. See it before you pay.