Financial Independence and Retirement Planning Dashboard Header

Your money should retire before you do.

The independent, privacy-first toolkit of the FIRE movement — Monte Carlo planning, Coast & Barista FIRE calculators, and the math to walk away on your terms.

Run your numbers → Find your Coast number
100% free core planner All math runs in your browser — we never see your data No accounts, no paywalled basics Independent, no bank sponsorships

🔥 Go Pro — $29, once. Yours forever.

Everything here stays free. Pro adds the advanced arsenal:

Get the Pro Pack → $29 one-time

Already a member? Enter your code at Pro Tools →

Privacy Policy

At FIREplanner.AI, we prioritize the security of your financial roadmap.

Terms of Service

1. Description of Service

FIREplanner.AI provides financial education tools. We provide customers with insight into financial habits and educate them on the financial order of operations. This is not financial advice.

Full terms available upon request or update.

🔥 FIREplanner.AI

Pro

Master Your Roadmap to Financial Independence

Harness the power of intelligence with FIREplanner.AI, your free AI-assisted architect for wealth building. Our platform uses advanced Monte Carlo simulations to help you maximize every dollar and discover the most efficient path to early retirement (FIRE).

Visualize how your habits translate into real-world independence. We apply the Financial Order of Operations (FOO) to audit your plan against 250 market scenarios. Calculate your safe withdrawal rate, optimize asset allocation, and stress-test your portfolio against market crashes.

How to Use the Assistant

  • Input Vitals: Enter income, debt, and investments.
  • Strategy Sliders: Adjust target yield and withdrawal rates.
  • Financial Prescription: Follow the steps to optimize wealth.

1. Budget Intelligence

🔒 Private CSV Import
Drop in a bank statement export — parsed locally in your browser, never uploaded anywhere.

2. Investment Strategy

7.0%
S&P 500 Index Funds (VOO)
Kelly-Optimal Balance
4.0%

3. Cash Flow (Annual)

4. FOO Audit Checklist

18.0%
4.5%

5. Timeline

Budget Breakdown

Architect Tip: Analyzing...
Success Rate
--%
Target Nest Egg
$--
Current Net Worth
$--
Debt-Free Age
--
FOO Logic Prescription
Analyzing...

Monte Carlo Gradient

⚡ Market Crash (Black Swan)

🧰 More Free Tools

Coast FIRE Calculator →
The balance where retirement funds itself — stop saving forever. Barista FIRE Calculator →
See how part-time income shrinks your nest egg requirement.

Coast numbers by age: 25 · 30 · 35 · 40 · 45 · 50

📬 The Coast Report — Free FIRE Toolkit

Get the free FIRE Toolkit spreadsheet (budget tracker + coast/FI dashboard) and a short monthly briefing on withdrawal rates and coast math. No spam, unsubscribe anytime.

✦ FIREplanner Pro Pack — $29 one-time

  • Pro spreadsheet bundle: Coast FIRE dashboard, FOO audit workbook, and net-worth tracker (Excel + Google Sheets).
  • Lifetime license — pay once, own it forever. No subscription, unlike $129/yr alternatives.
  • Privacy-first: everything runs in your browser and your own spreadsheet. We never see your data.
Get the Pro Pack → $29 one-time

Already a member? Open the Pro Tools →