Rute15: FIRE Planner

How many months until financial freedom?

Route15 works out your FIRE number (25× annual expenses, the 4% rule) and counts down the months to it. Set your income, expenses, debts and savings — then confirm each month with a single tap.

FIRE countdown
Your independence number and a target date that moves closer every month.

Honest projection
A conservative / median / optimistic Monte-Carlo range. The future is a range, not a single false-precision line.

Monthly autopilot
Move your plan forward one month with one tap. Balances and forecast update instantly. A gentle reminder warns when data is stale.

Smart insights
A rules-based engine (no AI) flags high-cost debt, a missing emergency fund, portfolio over-concentration and possible tax advantages.

Early loan payoff
Set a "pay off in N months" goal and see the required payment and your debt-free date.

Multi-currency
Use CZK, EUR or USD with configurable FX assumptions.

Private by design
No data leaves your device. No ads. No analytics. No account. Optional Google Drive backup is fully opt-in.

Route15 is a planning and education tool — not financial, investment or tax advice.