FIREPlan: Retire-Early Planner

See your FIRE date in minutes. Track net worth across all accounts, stress-test your plan with 5,000 market simulations, and watch your freedom date move closer.

FIREPlan answers the three questions everyone on the path to financial independence asks: Where am I now? When will I be free? What should I do next?

Enter your monthly income, expenses and account balances — FIREPlan instantly computes your FIRE number, your projected freedom date, and exactly how far along you are.

TRACK YOUR NET WORTH • All your accounts in one place: 401(k), Roth, IRA, HSA, brokerage, HYSA, cash, crypto, real estate • One monthly check-in updates every balance and shows how your net worth changed • Asset allocation and net worth history at a glance

PLAN YOUR FREEDOM DATE • FIRE number from your real spending — not a generic rule of thumb • Four paths: Lean FIRE, FIRE, Fat FIRE and Coast FIRE — switch with one tap • 30-year projection in today's dollars, adjusted for inflation • What-if sliders: see how saving more, spending less or earning better returns moves your date

GO DEEPER WITH PRO • Monte Carlo: 5,000 market simulations — not "in 12 years" but "87% probability by 2042" • US tax modeling: LTCG brackets, Traditional 401(k)/IRA, Roth, mixed accounts, state tax • Sequence-of-returns risk: will your plan survive a bear market in year one of retirement? • Withdrawal strategies: fixed, inflation-adjusted, Guyton-Klinger guardrails, variable percentage • Multiple scenarios and full JSON/CSV export

YOUR DATA STAYS YOURS Everything is stored on your device. No account, no sign-up, no tracking.

FIREPlan is a planning calculator, not financial advice.

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