When Can You FIRE? Know for Sure.
Get your personal FI date, a month-by-month path to get there, and a private net worth tracker to watch your progress — without ever linking a bank account.
As Seen On
Featured on top technology and finance communities
Planning for Financial Independence is more complex than it looks
The Complexity is Real
RSUs vesting, 401(k) mega backdoors, Roth conversions, investment properties, 529s for the kids — early retirement planning means optimizing all of this while doing your actual job. You want a FIRE calculator that handles it, not another spreadsheet.
Spreadsheets Fall Short
Your DIY spreadsheet was a great start, but a real retirement calculator needs to model tax brackets, account contribution limits, and how your RSU vest schedule interacts with your other income. Static spreadsheets quickly become outdated and unreliable.
Optimization Left on the Table
Without the right strategy, you could be leaving years on your path to FIRE. The difference between a good plan and an optimized one can be hundreds of thousands of dollars and years of your life.
How it works
Enter Your Financial Picture
Answer a few questions about your income, accounts, debts, and goals. Most people finish in a few minutes.
We Handle the Complexity
Our engine optimizes across RSUs, 401(k)s, investment properties, 529s, debts, and taxes — calculating the fastest path to your goals.
Get Your Month-by-Month Plan
Receive a personalized roadmap showing exactly what to do with every dollar, every month — from now until you reach FIRE.
Your Path to Financial Independence, Mapped Out
MoneyOnFIRE solves the complexity: goals, taxes, different accounts, debts, inflation. It calculates a personalized path tailored to your unique situation and gives you clear, step by step actions to implement.
Are You on Track?
See all your goals in one place — financial independence, college funding, debt payoff — with clear status on each. Know exactly where you stand and what's achievable.
Your Private Net Worth Tracker
Watch your net worth move without handing over your bank logins. We never connect to your accounts. Instead, we keep your portfolio current using real market data, debt paydown, and your planned contributions — so the chart stays live between the moments you sit down to review.
Your Personal FI Number
Your FI year, target portfolio, and projected expenses — calculated from your actual finances. See exactly how we arrived at each number, with the math explained in plain language.
Month-by-Month Roadmap
Know exactly what to do with every dollar, every month. Detailed guidance shows where to allocate income across accounts, debts, and goals.
View your roadmapClear Actions
A prioritized checklist — 401(k) match, emergency fund, IRA contributions, debt payoff — in the order that gets you to FI fastest.
Get your action planReach FIRE Faster
See how different strategies — optimized tax allocation, lower fees, expense cuts — shave years off your timeline. Compare approaches side by side.
Compare strategiesWhat 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