FIRE Metrics
Get your personal FI number and projected FI date based on your actual income, expenses, and investments — not generic rules of thumb.
Every Angle of Your Financial Independence Plan
MoneyOnFIRE models your income, taxes, investments, debts, and life goals together in one simulation. Here is everything it covers.
Build My PlanCore Planning
The foundation of your FIRE plan — your FI number, timeline, and the tools to explore different paths.
Scenario Planning
Compare what-if scenarios side by side — changing jobs, cutting expenses, relocating, or retiring earlier — and see exactly how each one shifts your FI date.
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Inflation Protection
Every projection is adjusted for inflation so you see real purchasing power, not flat dollar estimates that overstate what your money can actually buy.
Learn MoreLife Goals
Major life expenses modeled alongside your FI journey so nothing derails your plan.
College Savings
Model 529 contributions, year-by-year tuition projections, and financial aid estimates — then see exactly how college costs affect your FI timeline.
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Significant Expenses
Plan for big one-time costs like weddings, home renovations, or extended travel. The simulation models when you spend and how it ripples through your plan.
Debt Management
Set becoming debt-free as a milestone in your plan. The simulation tracks your paydown timeline and shows exactly when you hit zero — and how it accelerates your path to FI.
Learn MoreInvestments
Optimize every account type — from tax-advantaged retirement accounts to your early-retirement bridge.
Restricted Stock Units
Model your RSU vesting schedule, understand the tax implications of each vest, and compare the financial impact of selling versus holding.
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Retirement Accounts
Optimize contributions across 401(k), IRA, Roth, and HSA accounts — including employer match, contribution limits, and Roth conversion ladders.
Taxable Brokerage
Plan your taxable investment accounts as the bridge that funds early retirement before penalty-free retirement account access kicks in.
Tax Strategy
Keep more of what you earn with integrated federal and state tax modeling.
Tax Optimization
Navigate federal and multi-state taxes across W-2 income, RSU vests, capital gains, and deductions with an integrated tax calculator.
Learn MoreFinancial Health
Build a resilient financial foundation with smart debt, allocation, and liquidity decisions.
Housing
Model renting or owning with a built-in mortgage calculator, property taxes, maintenance costs, and the impact of housing decisions on your path to FI.
Debt Management
Prioritize high-interest debt paydown, see how accelerated payments shift your FI date, and balance debt reduction against investing.
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Account Rebalancing
Get recommendations on asset allocation across accounts and tax-efficient placement to keep your portfolio aligned with your risk tolerance.
Emergency Fund
Calculate your target emergency fund size, understand where to hold it, and see when you can redirect excess cash toward investments.
How It Works
1
Enter Your Numbers
Income, expenses, assets, debts, and goals — all in one place.
2
Run the Simulation
Our engine projects your finances year by year, accounting for taxes, inflation, and growth.
3
Get Your Plan
See your FI date, explore scenarios, and get actionable next steps.
Our Approach
Understand the methodology behind the simulation and how MoneyOnFIRE differs from other calculators.
See Your Path to Financial Independence
Build a plan in minutes. Get a personalized FI date, year-by-year projections, and actionable next steps.