About MoneyOnFIRE

Serious financial independence planning, built by people who've been on the journey themselves

Meet Scott & Sunny

Scott

Scott

Sunny

Sunny

We're Scott & Sunny, the team behind MoneyOnFIRE.

We believe everyone deserves the best tools to manage their finances and pursue financial independence effectively. That's why we're building tools to help people stop flying blind, reduce anxiety, and get to financial independence as fast as possible.

Our Story

We are both personal finance nerds who independently discovered the financial independence movement. In 2018, we were introduced by friends and did what all finance nerds do — started discussing all the intricacies and hacks of financial independence.

Then we shared our spreadsheets…

The Monster Spreadsheets

Both spreadsheets were monsters — 20+ tabs, formulas, macros, and scenarios. They calculated every month, every dollar, into every account. Sunny had a macro handling state and federal taxes that took 20 seconds to refresh when you changed a single input.

But even then, both of us felt they were imperfect:

  • •Simplified modelling of taxes and inflation
  • •Imprecise modelling of different account types
  • •Unclear how to integrate college saving with financial independence
  • •We wanted month-by-month routing of every dollar, not just an FI date

Friends started asking for the sheet. We became the people others came to with questions:

“Can I take a sabbatical?”

“Should I max my Roth or pay off debt?”

“When can I achieve FI?”

“How much should I save for my kid's college, and where?”

That's when we realised this wasn't just a hobby anymore. It was a tool other people needed.

So we started building MoneyOnFIRE. Nights. Weekends. We quickly outgrew the spreadsheet and converted the engine into code running on dedicated servers. It's still just the two of us, but the FI community has made this bigger than we ever imagined.

Our Mission

Democratize personal finance — give everyone the tools to know what to save, where to save it, and how to pursue financial independence and manage other goals without anxiety and with clarity.

What We Built

A sophisticated financial planning engine that models every dollar, every month: taxes (state, federal, capital gains, deduction rules — both while earning and in retirement), inflation, every account type, debt payoff, and housing.

Our goal is to give you clarity in your financial decisions — saving for college, financial independence, taking sabbaticals, paying off debt, and living on your own terms.

Background

We've each spent close to 20 years working in financial services at both small and large financial institutions, building technology products and algorithms to invest and manage money. That experience gave us a front-row seat to how the system works — and where the opportunities are for individuals.

Our Values

Accessible Planning

Making financial independence planning available to everyone, not just those who can afford an advisor.

We Do the Maths

So you don't have to spend 1,000 hours in a spreadsheet figuring it out yourself.

FI, Recreate Early

Financial independence is about living intentionally — not eating ramen to get there faster.

Ready to build your plan?

Take control of your finances and see a clear, month-by-month path to financial independence.

Build My Plan