The planning tool forfinancial independence
Reach Financial Independence faster — with an optimized path, actionable steps, and a personalized plan to sort your finances and secure your future.
Lightning Fast
Get your personalized FIRE plan in under 5 minutes
FI Target
Find your FI date and FI number
Precision Planning
Tax-optimized strategies tailored to your situation
See how MoneyOnFIRE creates your personalized path to financial independence
As Seen On
The Path to Financial Independence is too hard
Complexity
It's complex to handle accurately -- taxes, inflation, optimizing various accounts, managing investments and RSUs, balancing priorities like FIRE vs. debt vs. other financial goals. You want to FIRE, not get a PhD in accounting.
Spreadsheets fall short
Your DIY FIRE spreadsheet is a great starting point, but it quickly becomes overwhelming. It doesn't handle all the complexity, lacks accuracy and maintaining it becomes a full-time job.
Traditional planners and tools don't help
Most traditional planners don't understand FIRE. As a result, they cannot give guidance about FIRE.
Mistakes can be costly
Not doing the right thing at the right time can cost you thousands and delay your FIRE date by years.
MoneyOnFIRE tells you...
Our all-in-one platform helps you build a complete financial independence plan tailored to your unique situation.
The Fastest Path
MOF doesn’t just tell you when you can retire — it is the fastest path. We analyze your goals, spending, and savings to reveal smart tradeoffs and tweaks that could shave years off your FIRE date.
How much you need
MOF does the math for you — across all accounts, adjusting for taxes and inflation — to show your exact FIRE number. No guesswork, no rules of thumb. Just one clear target personalized to you.
When you can get there
We estimate your exact FIRE date based on your income, expenses, assets and goals — not broad averages. You can track your timeline clearly.
What accounts to use
From 401(k)s to IRAs to Taxable brokerage to 529 to HYSA, we help you optimize contributions across accounts for tax-efficiency and growth.
How it works
Share Your Snapshot
We understand – nobody likes data entry. We keep it quick and ask a minimal set of questions about your financial picture.
We Do the Math
Our advanced financial engine runs the numbers. We solve what you should do with every dollar every month (taxes, goals, expenses, retirement).
Instantly Access Your Personalized Report
In under a minute, you receive a personalized report. It has everything you need to know - when can you FIRE, what do you need to do?
What our users are saying
“FIRE used to feel like a distant dream. MOF changed that. It gave me clarity, confidence, and the ability to shape my plan with ease. For the first time, early retirement feels real.”
“I wish I had this tool when I started my FIRE planning. It is super comprehensive. I highly recommend this to anyone thinking about financial independence.”
“I was excited by FIRE but it seemed too unachievable and hard. I felt like I needed a Masters in Finance just to work out how much I needed, let alone navigate how to get there. MoneyOnFIRE made it super easy to do both”
“MoneyOnFIRE helped us go from overwhelmed spreadsheets to a clear FIRE plan. Now we know exactly when we can retire – and afford college too.”
“The account optimization blew my mind. I had no idea I was putting money in the wrong places.”
“I loved seeing how different spending scenarios affected my FIRE date. This gave me confidence to cut back work and still stay on track.”