# FIRE Independence > Financial independence and early retirement planning tool with personalized calculations and projections. (iPhone/iPad app by Ryan Henryson.) - Source: https://appshunter.io/ios/app/fire-independence/id6756547156 (this page in markdown: same URL + `.md`) - Developer: [Ryan Henryson](https://appshunter.io/developer/1860699018) - Category: Finance, Productivity - Price: $4.99 - Rating: 5.00/5 from 10 App Store ratings · 7 written reviews indexed - Age rating: 4+ - Requires: iOS 18.1 · 2 MB - Languages: American English - Released: 2025-12-16 - Data updated: 2026-08-22 - Monetization: paid - User reviews in markdown: https://appshunter.io/ios/app/fire-independence/id6756547156/reviews.md ## What is FIRE Independence? Unlock Your Path to Financial Independence with FIRE Independence! Are you dreaming of retiring early? FIRE Independence is your ultimate iOS companion for mastering the Financial Independence, Retire Early (FIRE) movement. Whether you're just starting out or fine-tuning your strategy, this app empowers you to track, calculate, and project your journey to financial freedom—all from the palm of your hand. Key Features: Personalized FIRE Calculations: Easily compute your "FIRE Number" using the proven 4% rule (Annual Expenses ÷ 0.04). Input your age, expenses, assets, debts, and expected returns for instant insights. FIRE Variants at Your Fingertips: Explore different lifestyles: Lean FIRE (60%): Retire frugally with reduced spending. Standard FIRE (100%): Maintain your current lifestyle in retirement. Fat FIRE (150%): Enjoy an upgraded, luxurious post-work life. Coast FIRE: See when you can stop saving aggressively and let your investments grow on their own. Comprehensive Tracking: Assets & Investments: Log brokerage accounts, 401(k)s, IRAs, HSAs, HYSAs, crypto, and real estate equity. Include annual contributions and growth factors for realistic projections. Expenses: Break down monthly costs (housing, food, transportation) and annual ones (taxes, vacations) with a retirement adjustment slider. Debts: Factor in mortgages, loans, and payments to get an accurate net worth view. Powerful Projections: Visualize your progress with estimates like "Years to FIRE," net worth at age 90, and amount needed. Adjust variables like safe withdrawal rates (default 4%) and retirement age for tailored scenarios. User-Friendly Interface: Edit entries anytime, with intuitive toggles and sliders. Projections update in real-time as you input data. Data Privacy First: All your information stays local on your iPhone using secure UserDefaults—no servers, no tracking, no data sharing. Optional iCloud backups keep things safe, and deleting the app wipes everything clean. Why choose FIRE Independence? It's designed for real people chasing early retirement. Underestimating expenses? We've got tips to track accurately. Wondering about market returns? Use conservative estimates (5-7%) for peace of mind. Whether you're paying down debt or optimizing investments, this app turns complex math into actionable steps. Projections are estimates—life happens, markets fluctuate—but FIRE Independence gives you the tools to plan smartly. Always consult a financial advisor for personalized advice. Ready to retire on your terms? Download FIRE Independence today and start building your future! ## Key features - 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 ## Chart rankings - #112 in Top Paid · Finance (US App Store) ## Recent user reviews (7 of 7) All indexed reviews: https://appshunter.io/ios/app/fire-independence/id6756547156/reviews.md ### 5/5 — So easy! *2026-01-10, version 4* 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. ### 5/5 — Outstanding! *2025-12-28, version 2.0* Simple, clean, and effective! One of the best financial partner apps on the market today! ### 5/5 — So Impressive! *2025-12-28, version 2.0* This app is better than any other app I have used to track net worth and prep for retirement. ### 5/5 — Early Retirement *2025-12-28, version 2.0* I have been enjoying this app. Being able to track my net worth has been a huge benefit! Highly recommend this App!! ### 5/5 — Excellent *2025-12-24, version 2.0* Great tool to plan for financial future! ### 5/5 — Informative! *2025-12-24, version 2.0* Easy to use. Much easier than constantly updating a spreadsheet. ### 5/5 — Wonderful Resource! *2025-12-24, version 2.0* I have spent my career helping clients reach their financial goals. This app is the best resource I can find that shows the power of compound interest. I highly recommend! ## Frequently asked questions about FIRE Independence ### 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. ## Version history (last 3 releases) ### 4 — 2026-01-03 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. ### 2.0 — 2025-12-18 See how your net worth ranks in US percentiles! Latest FIRE Independence App update adds thrilling new scenarios tailored for current retirees. Plan smarter - download now! ### 1.0 — 2025-12-17 No release notes. ## Apps similar to FIRE Independence | App | Rating | Price | Category | | --- | --- | --- | --- | | [Reliance State Bank Mobile](https://appshunter.io/ios/app/reliance-state-bank-mobile/id490641731) | 4.8 (246) | Free | Finance | | [Retirement Advisor](https://appshunter.io/ios/app/retirement-advisor/id6740252670) | 5.0 (5) | Free | Finance | | [Fire Companion](https://appshunter.io/ios/app/fire-companion/id6502856072) | — | Free | Finance | | [Easy Retirement Calculator](https://appshunter.io/ios/app/easy-retirement-calculator/id450248837) | 2.8 (5) | $0.99 | Finance | | [When Can We Retire](https://appshunter.io/ios/app/when-can-we-retire/id1463837070) | — | $1.99 | Finance | | [Plan to Retire](https://appshunter.io/ios/app/plan-to-retire/id6664072636) | 5.0 (4) | $0.99 | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-22.*