Turn financial confusion intoclear direction
Get clear, actionable steps to optimize every dollar and reach your goals as fast as possible.
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Managing your finances is too hard
Complexity
It's complex -- taxes, inflation, different types of accounts, investment options and RSUs. How do you balance living now vs retirement vs kid college? You want to reach financial independence, not get a PhD in accounting.
Spreadsheets fall short
Your DIY 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.
Mistakes can be costly
Every wrong move—whether it’s where you save, when you sell, or how you manage taxes—can cost thousands and put your goals at risk.
Introducing Financial Autopilot
MoneyOnFIRE solves the complexity: goals, taxes, different accounts, debts, inflation. It calculates a personalied path tailored to your unique situation and gives you clear, step by step actions to implement.
The Fastest Path
MoneyOnFIRE doesn’t just tell you when you can achieve your goals - it is the fastest path. We analyze your goals, spending, and savings to reveal smart tradeoffs and tweaks that could shave years off your journey.
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
“Financial Independence 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 Financial planning. It is super comprehensive. I highly recommend this to anyone thinking about financial independence.”
“I was excited by FI 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 Financial 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 goals. This gave me confidence to cut back work and still stay on track.”
Build, plan, and secure your financial future with MoneyOnFIRE.
Build My Plan