FIRE vs FIRE Path

Wealthy isn't rich. Wealthy means your money supports your life without needing your time in return. Most people picture financial independence as one distant finish line. It isn't. You cross three. FIRE Projection teaches you what each one means, in your own figures, then projects the age and year you reach it. You may be further along than you think. YOUR PATH • Coast FIRE. Your investments can reach your full number on their own. You can stop saving. • Barista FIRE. Part-time income covers part of your spending. Your portfolio covers the rest. You can leave full-time work. • Full FIRE. Your investments cover your spending at about a 4% withdrawal. Work becomes optional. THE MATH Spend $5,000 a month. That is $60,000 a year. Multiply by 25. Your Full FIRE number is $1,500,000. A 4% withdrawal from $1,500,000 is $60,000. The amount you spend. Growth uses a 6.5% real return after inflation, compounded monthly. Every assumption is visible, and you can change it. It is a projection, not a promise. WHAT YOU ENTER Five things you can answer today: • Invested today • Saving each month • Spending each month • Your birth date • Your target retirement age No guesses about future raises, inheritances, or interest rates decades out. MOVE THE LEVERS Change your saving, your spending, your target age, your part-time income, or your return. Watch the dates move. The point is not just knowing when. It is knowing what brings it closer. WHY OTHER TOOLS FELT WRONG Most retirement calculators ask you to predict what you cannot know. Forty guesses, and the answer moves with every one. FIRE Projection starts with the life you have now. WHAT PREMIUM ADDS • Multiple invested accounts • Multiple saving streams • Snapshot history • Social Security NPV • An editable real return rate • CSV export Free to download. A 30-day trial unlocks the full app. Monthly or annual after that. Not forty guesses. Three milestones, honest math, and the levers that bring freedom closer. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://fireprojection.io/privacy-policy

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