Core Planning
FIRE Metrics
Find out when you can FIRE. We calculate your personal FIRE date and FIRE number, ensuring your money lasts.
Powerful Features for Your FIRE Journey
A sophisticated engine and beautiful reports that make financial independence planning simple, accurate, and actionable.
Find Your Path to Financial IndependenceEverything You Need to Reach FIRE
Our comprehensive platform handles every aspect of your financial independence journey, from basic planning to advanced tax optimization.
Life Goals
College
Work out how to send your children to college. Use tax-saving strategies like 529 plans and see how this affects your FIRE journey.
Life Goals
Significant Expenses
Plan for milestones like weddings or major vacations.
Investments
Restricted Stock Units
Make informed decisions on RSUs, comparing the financial impact of selling versus holding.
Investments
Retirement Accounts
Get personalized advice on how to grow your retirement funds using IRAs and 401(k)s, including advanced strategies.
Tax Strategy
Tax Optimization
Navigate US federal and multi-state taxes with an integrated estimated tax calculator.
Financial Health
Debt Management
Learn the best ways to reduce your high, medium and low interest debt quickly and efficiently, tailored to your unique financial situation.
Financial Health
Account Rebalancing
Receive recommendations on optimizing cash and investments across different accounts to ensure optimal allocation.
Financial Health
Emergency Fund
Receive advice on how to set up and maintain an emergency fund that keeps you secure and ready for any unexpected expense.
Investments
Taxable Brokerage
Receive guidance on contributing and managing your taxable brokerage accounts to maximize returns.
Core Planning
Scenario Planning
Explore different strategies such as cutting expenses or increasing income. See how these changes accelerate your FIRE journey.
Life Goals
Housing
Whether you rent or own, we can handle both. For homeowners, our built-in mortgage calculator simplifies FIRE planning.
Core Planning
Inflation Protection
MOF automatically updates your key financial figures to reflect inflation, simplifying how you plan and protect your finances against rising costs.
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Core Features
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Planning Categories
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Personalized
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