BrightPlan vs FIRE

Take control of your finances with BrightPlan for personalized financial guidance, smarter decision-making, and a plan tailored to your unique goals. As an employer-provided benefit, BrightPlan helps you make confident financial decisions, reduce financial stress, and get more value from the benefits available to you. BrightPlan’s offerings may vary by country and employer. Learn: BrightPlan Academy delivers personalized educational resources, including articles and live/on-demand sessions, tailored to your financial needs. Get relevant guidance that helps you take action—without product sales or commissions. Plan: You're not alone. BrightPlan’s AI-powered Financial Wellness Coach™ provides personalized, 24/7 guidance to help you make informed financial planning decisions, stay on track with your goals, and take meaningful action with confidence. Manage: Get a complete view of your financial life in one place. Track your budget, monitor spending, organize your accounts, and stay connected to your financial goals with personalized insights. Invest: BrightPlan provides goals-based investment guidance tailored to your personal risk tolerance, timeline, and financial objectives to help you make informed investment decisions. Secure: Your privacy comes first. BrightPlan keeps your financial information private and secure—it is never shared with your employer, sold to third parties, or used for marketing. We follow industry best practices and maintain rigorous security certifications to protect your data. Fiduciary Excellence: BrightPlan is a registered investment adviser and is legally required to act in your best interests. Disclaimers: BrightPlan LLC is an SEC registered investment adviser that may offer investment advice to U.S. residents. Registration does not imply a certain level of skill or training nor does it imply endorsement by the SEC. BrightPlan is neither registered with any international agency to provide, nor does it provide, any investment advice to non-U.S. residents. By using this application, you accept our Terms of Service (https://www.brightplan.com/terms-of-service), Privacy Notice (https://www.brightplan.com/privacy-policy) and, in the United States, Investment Advisory Agreement (https://www.brightplan.com/investment-advisory-agreement). © 2026 BrightPlan LLC

Most FIRE calculators give you one number and call it a day. FIREpath shows you all 5 retirement paths side by side so you can actually compare your options instead of running the math five separate times in five different spreadsheets. See every scenario at once: Regular FIRE - the classic 4% rule Lean FIRE - retire sooner on less Fat FIRE - retire later with more cushion Coast FIRE - the number where you can stop contributing forever Barista FIRE - semi-retire with part-time income "What if" sliders that update in real time Drag a slider to add $200/month to your savings. Watch your retirement date move instantly. Try a 9% return instead of 7%. Cut your expenses by 15%. No spreadsheets, no formulas to remember, just drag and see your future change in front of you. Built for people who are serious about this * Visual timeline from your current age to retirement, with every FIRE milestone marked * Coast FIRE calculator: see the exact number where you can stop contributing and still hit your target by retirement age * Full monthly breakdown: savings rate, projected portfolio income, inflation-adjusted value * Save multiple scenarios and compare them side by side ("current plan" vs "if I cut expenses") * Shareable results card for your FIRE journey Why FIREpath is different We built this because we were tired of switching between three different calculators every time we wanted to test a new scenario. No other tool shows Lean, Regular, Fat, Coast, and Barista FIRE together with live interactive sliders. This is the FIRE calculator we wished existed. Free to use. No sign-up required. Your numbers stay private, nothing is shared, nothing is sold. Start calculating your FIRE date in under 30 seconds. For educational purposes only. Not financial advice. Projections assume consistent returns which are not guaranteed. Consult a licensed financial advisor for personalized guidance.