# FIRE Path: FI Planner — Retire Early · FIRE Calculator

> Comprehensive financial independence planner for early retirement. (iPhone/iPad app by Quinn Winter.)

- Source: https://appshunter.io/ios/app/fire-path-fi-planner/id6779468041 (this page in markdown: same URL + `.md`)
- Developer: [Quinn Winter](https://appshunter.io/developer/1605258905)
- Category: Finance, Productivity
- Price: Free
- Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 4 MB
- Languages: American English
- Released: 2026-08-02
- Data updated: 2026-08-21
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/fire-path-fi-planner/id6779468041/reviews.md

## What is FIRE Path?

FIRE Path is the most complete financial independence planner on iPhone. Enter your accounts, income, and spending, then watch your path to early retirement come into focus.

YOUR FI NUMBER, CALCULATED FROM YOUR REAL LIFE 
Most FIRE calculators use guesswork. FIRE Path builds your projection from your actual salary, RSU vesting schedule, 401(k) contributions, Roth IRA, taxable accounts, home equity, and spending, then calculates exactly when you hit financial independence.

FOUR PATHS TO FREEDOM 
Switch between Standard FIRE, Barista FIRE, Coast FIRE, and Lean FIRE with a tap. See how cutting your spending, picking up part-time work, or letting compound growth do the heavy lifting changes your timeline.

STRESS-TEST YOUR PLAN
- Monte Carlo simulation: Run 1,000+ market scenarios and see the probability your money lasts 30, 40, or 50 years
- Historical backtesting: Test your plan against every market cycle from 1871 to present. Would your strategy have survived the Great Depression? The dot-com crash? The 2008 crisis?
- Withdrawal strategy modeling: Compare the 4% rule, Guyton-Klinger guardrails, variable percentage withdrawal, and more

THE ADVANCED TOOLS SERIOUS PLANNERS NEED
- Roth conversion ladder planner: Optimize year-by-year conversions to fill tax bracket headroom before RMDs hit
- Social Security optimizer: Compare claiming at 62, 67, or 70 with spousal benefit coordination
- ACA healthcare subsidy modeling: Find the income level that maximizes your marketplace subsidy before Medicare kicks in
- Withdrawal order optimizer: Tax-efficient drawdown sequence across taxable, tax-deferred, and Roth accounts
- IRMAA planner: Avoid Medicare premium surcharges with income-aware retirement projections
- Mega backdoor Roth: Model after-tax 401(k) contributions and in-plan Roth conversions
- Phased spending: Set different spending levels for go-go years, slow-go years, and no-go years

TRACK EVERYTHING IN ONE PLACE 
Net worth, asset allocation, savings rate, emergency fund coverage, debt payoff timelines, 529 college projections, RSU vesting with live stock prices, and home equity — all in one clean dashboard.

ON-DEVICE AI ASSISTANT 
Ask your AI anything: "How much do I need to retire at 45?" "What happens if I take Social Security early?" "What's my ACA cliff?" It knows your full financial picture and answers with your actual numbers.

BUILT FOR PRIVACY 
All data stays on your device and syncs privately via iCloud. No accounts to create. No data sold. Face ID protection available.

ALSO INCLUDES
- What-If scenario builder, model job changes, windfalls, early retirement dates
- Full federal + state tax engine (all 50 states)
- iOS Home Screen widgets
- Dark mode

## Key features

- Personalized FI number calculation
- Multiple retirement path modeling
- Monte Carlo and historical simulations
- Advanced tax and withdrawal strategy tools
- All-in-one financial tracking dashboard
- On-device AI financial assistant

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/fire-path-fi-planner/id6779468041/reviews.md

### 5/5 — Exceptional financial app

*2026-08-17*

Love this app. Definitely going to continue to use it to manage finances.

## Frequently asked questions about FIRE Path

### What is FIRE Path?

FIRE Path is a financial independence planner designed to help users calculate their path to early retirement. It uses your real financial data to project when you can achieve financial independence.

### How does FIRE Path calculate my FI number?

FIRE Path calculates your FI number by taking into account your actual salary, RSU vesting, retirement accounts (401k, Roth IRA), taxable accounts, home equity, and spending habits.

### What retirement paths can I model with FIRE Path?

You can model Standard FIRE, Barista FIRE, Coast FIRE, and Lean FIRE. The app allows you to see how changes in spending or income affect your retirement timeline.

### Does FIRE Path offer advanced financial planning tools?

Yes, FIRE Path includes tools for Roth conversion ladders, Social Security optimization, ACA healthcare subsidy modeling, withdrawal order optimization, IRMAA planning, and Mega Backdoor Roth contributions.

### How does FIRE Path ensure user privacy?

All your financial data stays on your device and syncs privately via iCloud. The app does not require an account, does not sell data, and offers Face ID protection.

### What devices is FIRE Path available on?

FIRE Path is available on iPhone and iPad, supporting iOS devices.

### How often is FIRE Path updated?

The latest version, 1.1, was released on August 3, 2026, indicating recent development activity for the app.

### Does FIRE Path have ads?

No, FIRE Path is free and does not contain advertisements, allowing for an uninterrupted planning experience.

## Version history (last 2 releases)

### 1.2.0 — 2026-08-19

Loan Payoff Planner: See exactly when you'll be debt-free. Track every loan's payoff timeline, total interest, and how extra payments accelerate the date.

Siri Shortcuts: Add an expense, update an account balance, or log your net worth without opening the app. Just ask Siri or set up an automation.

Check-In Reminders: Set a reminder cadence in Settings so your numbers stay current. FIRE Path will nudge you to check in.

### 1.1 — 2026-08-03

No release notes.

## More apps by Quinn Winter

- [Sudoku Friends - Sudoku](https://appshunter.io/ios/app/sudoku-friends-sudoku/id1605258903)
- [Minesweeper Friends!](https://appshunter.io/ios/app/minesweeper-friends/id6447330436)
- [Snowy Winter Tracker](https://appshunter.io/ios/app/snowy-winter-tracker/id6758564768)

All apps by Quinn Winter: https://appshunter.io/developer/1605258905

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*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 2026-08-21.*