Financial Independence · Retire Early

Retire Early.
Live Fully.

The all-in-one platform built for the FIRE movement. Track your number, crush debt, grow investments — and know exactly when you're free.

Start for Free → See how it works
JMSRALKW
Join 12,000+ people chasing FIRE
Summary
Apr 2026
FIRE #
$1.4M
Portfolio
$938K
ETA
4 yrs
Rate
47%
FIRE Progress67%
Monthly Income $9,200
Fixed Expenses $3,400
Investments $2,800
FIRE Types
Standard4 yrs
Coast✓ Now
Barista2 yrs
Lean✓ Now
🎉
Coast FIRE reached!
Portfolio grows itself to retirement
12k+
Active FIRE chasers
$2.4B
Net worth tracked
8 yrs
Avg years to FIRE
47%
Avg savings rate
Everything you need

Your entire financial life,
built around FIRE

Stop piecing together spreadsheets. One beautiful, real-time dashboard for every number that matters.

🔥
FIRE Calculator
Model Standard, Coast, Barista, Lean, and Fat FIRE. See your number, ETA, and sensitivity across every scenario — live.
💸
Retirement Spend Planner
Factor in Social Security, mortgage payoff, healthcare, pension, and part-time income with SSA age-based adjustments.
📅
Debt Payoff Optimizer
Avalanche or Snowball strategy with extra payment pools. See your debt-free date and mortgage acceleration side-by-side.
📈
Investment Tracker
Track Pre-Tax, Roth, Taxable, and HSA accounts. See monthly contributions and net worth grow in real time.
🎯
Milestone Goals
Set custom savings goals and celebrate every 25% milestone on your FIRE journey with projected dates and progress.
📊
Savings Rate Dashboard
See your savings rate as a live gauge. Understand exactly where every dollar goes and how each point moves your FIRE date.
Simple to start

From signup to your
FIRE number in minutes

1
Enter your financial snapshot

Income, expenses, debts, and investments. Takes about 5 minutes — no bank connections required.

2
See your FIRE number instantly

Your personalized number, ETA, and progress percentage appear the moment you enter data.

3
Model every scenario

What if you cut $500/month? What if you retire at 55? Run every scenario instantly with the live calculator.

4
Track monthly, retire early

Update your numbers monthly and watch your FIRE date move closer every single time.

🎯 Standard FIRE
$1,425,000
At 3.5% SWR · $49,875/yr spend · Full retirement
$938K invested 67% of goal 4 yrs away
Standard
4 yrs
Coast
✅ Now
Barista
2 yrs
5 paths to freedom

Which FIRE is right for you?

Financially Free Today models every flavor of financial independence — so your plan matches your life.

🎯
Standard FIRE
Full retirement, no income needed. Portfolio covers 100% of spend.
🌊
Coast FIRE
Stop contributing — let compound growth carry you to retirement.
☕
Barista FIRE
Semi-retire with part-time income covering the gap.
🌱
Lean FIRE
Cut spending for maximum speed. Small cuts have massive double impact.
💎
Fat FIRE
High-spend luxury retirement modeled with a conservative SWR.
Real people, real results

Stories from the FIRE community

★★★★★

"I finally understand what Coast FIRE means for my situation. Financially Free Today showed me I only need to save for 2 more years before my portfolio grows itself to retirement."

👩
Sarah M.
Software Engineer, 38 · Coast FIRE achieved
★★★★★

"The debt payoff planner showed me the exact month I'd be consumer-debt-free. Seeing that date changed everything for my motivation."

👨
Marcus T.
Teacher, 41 · Debt free in 22 months
★★★★★

"I used to update 4 different spreadsheets. Now I update Financially Free Today once a month and every metric I care about updates automatically."

👩
Jessica L.
Nurse Practitioner, 35 · $900K net worth
Get started today

Ready to know your
FIRE number?

Join thousands who've stopped guessing and started tracking their path to financial independence.

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Free forever plan · Sync across devices · No bank connections required