FIRE Independence

FIRE Independence

by Ryan Henryson

10 ratings
7 reviews
$4.99

Details

  • Released
  • Updated
  • December 16, 2025
  • January 3, 2026

Features

FIRE Independence screenshot #1 for iPhone
FIRE Independence screenshot #2 for iPhone
FIRE Independence screenshot #3 for iPhone
FIRE Independence screenshot #4 for iPhone
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About

This app helps users plan for early retirement by calculating their financial independence number, tracking assets and expenses, and projecting future net worth. It offers various FIRE lifestyle options and emphasizes data privacy with local storage.

Personalized FIRE Number calculation
Tracking of assets, investments, expenses, and debts
Projections for net worth and years to FIRE
Support for Lean, Standard, Fat, and Coast FIRE
User-friendly interface with real-time updates
Local data storage for enhanced privacy
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What's New in FIRE Independence

4

January 3, 2026

What's New in Version 4.0 The countdown is ON! Track your retirement date, watch your net worth grow over time, get intelligent reminders, see mortgage payoff details, and know your exact percentile ranking. This is our biggest update yet. NEW: RETIREMENT COUNTDOWN See exactly how long until you can retire—down to the day. Choose your favorite display: • Years, Months & Days - "8 Years, 2 Months, 15 Days" • Total Days - "2,997 Days Until Freedom" • Weeks & Days - "428 Weeks, 1 Day" • Progress Bar - "68% of the Way There!" Toggle between age-based calculation or pick your exact retirement date. Watch it count down every time you open the app. It's motivating, it's exciting, and it makes FIRE feel REAL. NEW: NET WORTH HISTORY TRACKING Your wealth journey visualized. Watch your progress over time: • Beautiful interactive charts - See your net worth trend at a glance • Multiple time ranges - View 1 month, 3 months, 6 months, 1 year, or all-time • Automatic daily snapshots - Your progress is tracked automatically • Manual snapshots anytime - Save after major financial events • Percentage change tracking - "Up 12.3% this quarter!" • Table view with timestamps - See every data point Finally see the compound effect in action. Watch the line go up. That's your future taking shape. NEW: SMART NOTIFICATIONS Stay on track without thinking about it: • Customizable frequency - Choose daily, weekly, bi-weekly, or monthly • Motivational check-ins - Gentle nudges to keep you focused NEW: MORTGAGE PAYOFF INSIGHTS Finally know EXACTLY how much you're paying in interest. For every mortgage: • See total interest remaining - "You'll pay $87,450 more in interest" • Know your exact payoff date - "Paid off in 18 years, 7 months" • Full amortization schedule - Year-by-year principal vs interest breakdown • Model extra payments - "Pay $200 extra monthly? Save $23,000 in interest and pay off 4 years early" No more guessing. No more spreadsheets. Just crystal-clear mortgage math that helps you decide: pay off debt or invest for FIRE? MORE ACCURATE PERCENTILE RANKING Your net worth percentile just got precise. Instead of "you're somewhere between 75th-90th percentile," now see your EXACT ranking: "You're 79th percentile—better than 79% of Americans your age." Know exactly where you stand. Watch your percentile climb as you make progress. It's the competitive edge your FIRE journey deserves. PRECIOUS METALS NOW COUNT Gold, silver, platinum? They're liquid assets—they should count toward FIRE. We've updated the calculations so your precious metals portfolio now contributes to your progress. Because if you can sell it easily, it's part of your path to freedom. WHAT-IF CALCULATOR IMPROVEMENTS • "Growth from Today" shows wealth gain by retirement • Projected return rate now goes up to 40% (for aggressive scenarios) • Set withdrawal rate to 0% to model pure accumulation • More accurate projections with growing contributions • Better scenario comparison side-by-side UNDER THE HOOD • Smarter data migration - your information is safer than ever • Enhanced snapshot system - one per day for clean history • Better error handling throughout • Improved performance and speed • Fixed multiple calculation bugs • Haptic feedback when saving snapshots • Backward compatible - all existing data preserved STILL 100% PRIVATE Your financial data never leaves your device. No tracking. No ads. No subscriptions. No compromises. Even notifications are local—nothing goes to a server.

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User reviews

So easy!

I love seeing my net worth go up! It makes tracking my retirement goals so much easier than pen and paper. This old school lady has had a software update.

Outstanding!

Simple, clean, and effective! One of the best financial partner apps on the market today!

So Impressive!

This app is better than any other app I have used to track net worth and prep for retirement.

Early Retirement

I have been enjoying this app. Being able to track my net worth has been a huge benefit! Highly recommend this App!!

Excellent

Great tool to plan for financial future!

FAQ

What is the FIRE Independence app?

FIRE Independence is an iOS app designed to help users plan for early retirement by calculating their financial independence number, tracking assets and expenses, and projecting their financial future.

How does FIRE Independence calculate my FIRE Number?

FIRE Independence uses the 4% rule to calculate your FIRE Number, which is your Annual Expenses divided by 0.04. You input your age, expenses, assets, debts, and expected returns for instant insights.

What types of FIRE lifestyles does FIRE Independence support?

FIRE Independence supports various FIRE lifestyles including Lean FIRE (60% of current spending), Standard FIRE (100%), Fat FIRE (150%), and Coast FIRE, allowing you to explore different retirement scenarios.

What financial assets can I track with FIRE Independence?

You can track a comprehensive range of assets including brokerage accounts, 401(k)s, IRAs, HSAs, HYSAs, crypto, and real estate equity, along with their annual contributions and growth factors.

Is my financial data safe with FIRE Independence?

Yes, FIRE Independence prioritizes data privacy by keeping all your information local on your iPhone using secure UserDefaults. There are no servers, tracking, or data sharing involved.

Does FIRE Independence have ads?

No, FIRE Independence does not contain advertisements. It is a paid application designed to provide an uninterrupted user experience for financial planning.

What devices is FIRE Independence available on?

FIRE Independence is currently available for iPhone devices, offering a streamlined experience for users on the Apple mobile platform.

How often is FIRE Independence updated?

The app was last updated on January 3, 2026, indicating ongoing development and support. Users can expect regular updates to enhance features and reliability.