FireWealth

You could be free sooner than you think.

Find your projected work-optional date, tested separately against a market drop and a surprise year of spending.

Create your free plan

Free plan, no card. Try the demo

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FireWealth

You could be free sooner than you think.

Find your projected work-optional date, tested separately against a market drop and a surprise year of spending.

Create your free plan

Free plan, no card. Try the demo

Work optional from Oct 2031. Salary stops Oct 2031; Nov 2031 is the first full month without it.

Work optional in 5 years, from Oct 2031

$4.1K/month to live on

Projected net worth in today's money to Oct 2076, Funded Oct 2031.
Setbacks tested separately
  • 30% market drop: Pass
  • One year of extra expenses: Pass

Illustrative projection · Today’s money.

How it works

From scattered accounts to a real plan.

  1. 1

    Add your accounts

    Investments, cash, income. Entered once, in any currency.

    Investments

    INInvestments · tax-deferred$896,000

    Cash

    CACash · tax-free$71,300

    Money in

    SAHousehold salaries$7,020/mo
    Net worth today$968,000
  2. 2

    Tune it in Studio

    Your assumptions and the life events ahead.

    Levers
    Investment return6%
    Inflation2.5%
    Events1
    University · Sep 2035−$43,200
  3. 3

    See your plan

    One Funded date, checked against setbacks.

    Wealth in today’s money · saved plan

    FundedOct 2031
    RetireDec 2037
    FIREDec 2043

Studio · where you shape it

Move a lever. Watch the date move.

Your assumptions, your life events. Every change shows its effect on Funded.

Levers

Funded

Oct 2031Feb 2030

1 year 8 months sooner

One change at a time, never stacked.

Life events

See how university fits into your plan.

Your plan timeline

  1. Funded

    Work becomes optional

  2. University

    $35,500 · one-off, today's money

  3. Retire

    Your chosen stop date; salary ends

  4. FIRE

    Investments meet your independence target

How these dates work

University moves Funded from Aug 2031 Oct 2031 (2 months later).

Illustrative draft, not applied. Dates include the university cost; you still choose to retire in Dec 2037. Checks are separate, not guarantees.

Ask Ember

Ask a what-if in plain words.

Ember drafts the change against your real plan and runs the checks. You review before anything is applied.

Works only on your plan. Never used to train external models.

EmberBeta

Works only on your plan

What if I stopped working two years earlier?

I drafted a retirement change from Dec 2037 to Dec 2035 and ran each plan check on its own. Nothing changes until you apply it.

Proposed work-end change

Dec 2037Dec 2035

Plan checks, each run separately

  • Normal planPass
  • 30% investment dropPass
  • One year of extra expensesPass
Draft · no minimum set · not applied

One picture, shared

Your whole net worth, planned together.

Net worth, today and at Funded

Every account rolls up into one line, history and projection.

Net worth

Today’s money
Today · Oct 2026$968,000
At Funded · Oct 2031$1,380,000
InvestmentsCashWork stops at Funded

Household sharing

Invite a partner or advisor as editor or viewer. Revoke anytime.

Household

Premium
  • YOYouOwner
  • PAPartnerEditor
  • ADAdvisorViewer
Everyone sees the same planFunded Oct 2031

Your data stays yours

Plan your finances without handing over the keys.

Manual by design, exportable anytime.

Your data

  • Bank loginNot needed
  • Who enters numbersYou
  • ExportAnytime
  • Sold or used to train external AI modelsNever

Pricing

Premium is free during early access.

Join now as a founding member. No card needed.

Free

0 no card needed

  • Unlimited accounts, income, and expenses
  • Net worth charts with your Funded and FIRE dates
  • CSV / Excel historical import
  • 5 life events to plan around
  • Core assumptions: returns, inflation, withdrawal rate, salary growth
  • 5 Ember AI what-if questions every month
  • Export your data anytime
Start on Free
Early access

Premium

Free during early access

Sign up now and your account is a founding member, with Premium included. No card, no subscription.

  • Unlimited life events
  • Advanced assumption controls
  • Household sharing
  • Unlimited Ember what-ifs
Join as a founding member