Know your FIRE date.
Built from your real numbers.
FIRE Path is the most complete financial independence planner on iPhone — Monte Carlo simulation, historical backtesting, Roth conversion planning, and a full 50-state tax engine, all private and on-device.
Four paths to freedom, calculated from your actual life
Not a generic guess — your projection is built from your real salary, RSU vesting, 401(k) contributions, spending, and debt.
- Standard, Barista, Coast, and Lean FIRE — switch with a tap
- See how cutting spending or part-time work shifts your date
- Net worth, savings rate, and "years of freedom" tracked together
Will your money actually last?
Don't just trust a single deterministic line. Run thousands of market scenarios and see the real odds.
- Monte Carlo simulation with percentile bands (10th–90th)
- Historical backtesting against every market cycle since 1871
- "Your plan would have survived 96% of historical 40-year periods"
Compare withdrawal strategies side by side
The 4% rule is a starting point, not the answer. See exactly how different strategies trade off spending stability against plan longevity.
- Fixed 4% rule, Guyton-Klinger guardrails, constant %, and VPW
- Success rate and median spending compared for each
- Tax-efficient withdrawal order across taxable, tax-deferred, and Roth
The advanced tools other calculators skip
Most free FIRE calculators stop at a single number. FIRE Path goes as deep as a fee-only financial planner.
- Roth conversion ladder planner, tax-bracket aware
- Social Security claiming-age optimizer with spousal benefits
- ACA subsidy cliff and IRMAA Medicare surcharge modeling
- Mega backdoor Roth and pension integration
Everything else, in one place
FIRE Path also tracks the day-to-day so your projection stays accurate as life changes.
Net worth & accounts
Every account type, home equity, debt payoff timelines, and net worth history tracked monthly.
RSU & equity comp
Vesting schedules with live stock prices, factored directly into your income and FI projection.
529 college planning
Per-child college savings projections alongside your own FIRE timeline.
What-if scenarios
Model job changes, windfalls, or an earlier retirement date and see the impact instantly.
On-device AI assistant
Ask "how much sooner could I retire if I cut $500/month?" and get an answer using your real numbers.
Widgets & sync
Home screen widgets, Face ID lock, and private iCloud sync across your Apple devices.
Built for privacy, not for selling your data
All data stays on your device and syncs privately via iCloud. No account to create, no bank linking required, no data sold. Face ID protection available.
Your FIRE date is closer than you think.
Free to download. No subscription, ever.
Get FIRE Path on the App Store