FIRE vs Compound

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

Compound interest is the eighth wonder of the world. Compound makes you feel it. Type in a starting amount, what you deposit (daily, weekly, monthly, quarterly or yearly) and an interest rate. Compound instantly plots your wealth curve on a beautiful interactive chart. Hold the chart and scrub through the years to watch your money grow. THE MOMENT THAT CHANGES EVERYTHING Compound finds your crossover year: the year your interest starts earning more than everything you put in. From that point on, your money works harder than you do. BUILT FOR CLARITY - Interactive growth chart with invested vs. interest, with haptic scrubbing - Full breakdown table, per year or per month - Effective rate (APY), time to double, and what your money earns per day - Inflation mode: see every amount in today's purchasing power - Growing deposits: model a yearly raise on your contributions - Compounding per day, week, month, quarter or year WHAT IF... ...you had put your exact plan into Bitcoin, gold, the S&P 500 or a savings account, starting 5 or 10 years ago? A dose of perspective, based on approximate historical returns. For perspective only; past performance says nothing about the future. SCENARIOS Save any plan, compare them head to head on one chart, and swipe to clean up. Your pension plan vs. your house fund vs. your FIRE dream. STAY ON TRACK Optional monthly wealth check on the 1st of every month: open the app and see what compounding did while you slept. 21 CURRENCIES Dollar, euro, pound, yen and more. PRIVATE BY DESIGN No account. No tracking. Everything stays on your device. Compound does not provide financial advice. Projections are mathematical illustrations based on the numbers you enter.