FIREPlan: Retire-Early Planner

FIREPlan answers the three questions everyone on the path to financial independence asks: Where am I now? When will I be free? What should I do next?

Enter your monthly income, expenses and account balances — FIREPlan instantly computes your FIRE number, your projected freedom date, and exactly how far along you are.

TRACK YOUR NET WORTH
• All your accounts in one place: 401(k), Roth, IRA, HSA, brokerage, HYSA, cash, crypto, real estate
• One monthly check-in updates every balance and shows how your net worth changed
• Asset allocation and net worth history at a glance

PLAN YOUR FREEDOM DATE
• FIRE number from your real spending — not a generic rule of thumb
• Four paths: Lean FIRE, FIRE, Fat FIRE and Coast FIRE — switch with one tap
• 30-year projection in today's dollars, adjusted for inflation
• What-if sliders: see how saving more, spending less or earning better returns moves your date

GO DEEPER WITH PRO
• Monte Carlo: 5,000 market simulations — not "in 12 years" but "87% probability by 2042"
• US tax modeling: LTCG brackets, Traditional 401(k)/IRA, Roth, mixed accounts, state tax
• Sequence-of-returns risk: will your plan survive a bear market in year one of retirement?
• Withdrawal strategies: fixed, inflation-adjusted, Guyton-Klinger guardrails, variable percentage
• Multiple scenarios and full JSON/CSV export

YOUR DATA STAYS YOURS
Everything is stored on your device. No account, no sign-up, no tracking.

FIREPlan is a planning calculator, not financial advice.

Privacy Policy: fireplan-legal.surge.sh/privacy.html
Terms of Use: fireplan-legal.surge.sh/terms.html