Family FIRE planning · Invite-only
Find out when your savings can cover your spending.
FIRE (Financial Independence, Retire Early) means investing until your portfolio can pay for your life. Your Fire tracks your family’s net worth and shows how far along you are, and when you could get there.
No code? Your Fire is invite-only, so ask someone who already uses it. How invites work
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The idea
What is FIRE?
Save and invest a large share of your income until your portfolio can fund your spending. After that, work becomes a choice.
Your number is a multiple of your spending
Your FIRE number is your annual spending divided by a safe withdrawal rate. At the common 4% rule of thumb, that is 25 times what you spend in a year.
Spend 40,000 a year and the number is 1,000,000. Spend less and the number shrinks, which is why the share of income you save matters more than almost anything else.
The 4% rule, in one line
Annual spending ÷ 4% = FIRE number
Same as 25× your yearly spending. 40,000 ÷ 0.04 = 1,000,000.
Four common flavours
- Lean FIRE
- Retire on a smaller, frugal budget, so the number you need is smaller.
- Fat FIRE
- Retire on a more generous budget, which means a larger number.
- Coast FIRE
- You have saved enough that it can grow to your number on its own. You only need to cover today’s spending.
- Barista FIRE
- Part-time or lower-stress work covers some spending, so the portfolio covers less.
Try it
A quick FIRE calculator
Change the numbers and watch the result move. Use any currency; the maths is the same.
Your result
FIRE number
1,250,000
8% of the way there
- Years to FIRE
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- Estimated year
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This is an illustration, not a prediction. It uses the same maths as the app: it grows your savings by the yearly return, adds your yearly savings, and stops when the total reaches the FIRE number (up to 60 years). Use a return after inflation to keep the answer in today’s money. It ignores taxes and fees.
How Your Fire helps
One calm place for your family’s FIRE plan
You enter or import the numbers. Your Fire does the adding up and shows where you stand.
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See the whole family at once
Track net worth for each family member and for entities such as a holding company, all in one view.
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Count what you could actually spend
Net worth works across currencies and is tax-aware, so you see the accessible after-tax figure. Canada, the US and India are supported.
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Know your FIRE date, per person
Each person gets a FIRE number, a progress figure and the years to go, using the same maths as the calculator above.
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Skip the retyping
Import CSV or PDF statements for investment accounts. Credit-card spending gets categories and feeds your FIRE number.
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Understand your next step
An educational financial-plan view turns your numbers into recommendations to read and learn from. It does not tell you what to buy.
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Practise with pretend money
The autopilot is a simulated paper-trading screener. There are no real trades, ever, and Your Fire is not a broker.
Getting started
How it works
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Get an invite
Ask someone who already uses Your Fire to share a code with you.
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Add your people and accounts
Create family members and entities, then enter balances yourself or import statements.
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Watch your FIRE date move
As balances and spending change, your FIRE number, progress and years to go update.
Privacy and access
Invite-only, and why
Your Fire is a small, private tool. Every new member joins through someone who is already inside, so you need an invite code to sign up.
How invites work
Members share invite codes with people they know. If you know someone who uses it, ask them for one. There is no waitlist and no sign-up form on this page.
Codes look like FIRE-7K3M-9QWD-XC4T. Once you have
one, enter it below and
you will land on the sign-up page.
You stay in control of your data
- No bank linking. You type values in or import statements yourself.
- PDF statements are read in your browser.
- No real trades. The autopilot is a simulation, and this is not a broker.
- No cookies or analytics on this page. The calculator runs in your browser and sends nothing.
Got an invite code?
Enter it here to create your account.
No code yet? Ask a member to share one.
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