Fire Horizon
Built for the FIRE community

Know the day you can retire.

  • Every holding, priced daily
  • Your whole net worth, live
  • A real date, not a guess
Get started free

Free to start, no card required · paid plans from $6.99/mo when you're ready

Net worth · all portfolios

$284,610

FIRE progress

21.9%

Your horizon

February 2051

Plan success rate

84%

10,000 simulations

Goal · 2052

age 50

Fat · $1.9MFIRE · $1.3MLean · $1.0MBarista · $500kFeb 2051today20302035204020452050

A sample plan — in your account this chart runs on your numbers.

Up to 10,000

simulated futures behind your plan

Daily

EOD prices for every US stock & ETF

Up to 30 yrs

of market history on your charts

$0

to start — no card, no trial clock

Still updating a spreadsheet every Sunday?

Drop in the CSV your broker already gives you — Fidelity, Schwab, even a 401(k) export — and it becomes a living plan: splits handled, dividends counted, horizon drawn. Your spreadsheet, but alive.

Start free — your first import takes ~2 minutes

Portfolio tracking

A full FIRE portfolio tracker, not just a planner

  • Link a brokerage with Plaid, or drop in any CSV — Fidelity, Schwab, even a 401(k) export.
  • Live pricing for every US stock & ETF, with gain and cost basis per holding.
  • Dividends counted, splits handled automatically — the ledger stays honest.
  • Every account in one view — brokerage, Roth IRA, 401(k), and cash.
BrokerageRoth IRA401(k)synced 2 min ago
SymbolSharesPriceValueGain
VTI128.4$268.11$34,425+$5,210
SCHD412.0$27.60$11,371+$1,842
QQQM96.5$189.44$18,281−$642
FBTC31.2$60.02$1,873+$412

A sample account — yours syncs from your broker or a CSV.

Net worth

Your whole balance sheet, one number

  • Portfolios, bank accounts, property, and debts — everything in one line, updated as markets move.
  • Investable vs total: the projection draws on what you can actually spend, not your kitchen remodel.
  • A savings rate derived from your real deposits — a fact from your ledger, not a number you typed.
  • Growth decomposed into money you added vs what the market did.

Net worth · everything counted

$483,240

Investments$312,450
Cash$38,790
Property & other$158,000
Debts−$26,000

A sample balance sheet — property and debts included.

Everything your plan touches

Plan the future

  • Every flavor of FIRE

    Lean, Fat, Coast and Barista — each its own target and line.

  • What-ifs & stress tests

    Retire earlier, or crash the market the year you retire.

  • Withdrawals your way

    The 4% rule, percent-of-balance, or guardrails with a floor.

Track the present

  • Dividend income

    Trailing payouts, forward income, and who pays you next.

  • A savings rate you didn’t type

    Derived from your real deposits — a fact from your ledger, not a guess.

  • Your data, in AND out

    Free CSV import and export on every plan. No hostages.

Decide with confidence

  • A readiness score, free

    On track for your age? Will it last? One plain-English verdict.

  • Monte Carlo odds

    Up to 10,000 simulated futures tell you the odds — not just the average.

  • Milestones

    First $100k, quarter-FI, Coast — earned and celebrated.

Built to be checked

Audit the math

Every formula is documented on the methodology page — hand-checkable, limits included.

Your data is yours

CSV export free on every plan; delete your account and everything goes with it.

We never see credentials

Broker linking runs through Plaid; access tokens are encrypted at rest.

Honest limits

Projections are estimates from your assumptions — a stress test, not a prophecy.

Fair questions

Is it actually free?
Yes — one account, ten holdings, the Horizon, Readiness, Monte Carlo, and CSV import/export, free with no card. Paid plans add capacity and broker auto-sync, from $6.99/mo.
How is my FIRE date calculated?
Your FIRE number is annual spending ÷ your safe withdrawal rate (the classic 25× at 4%), and the date is when your projected balance crosses it — compounding monthly at your expected real return. Every formula is documented on the methodology page.
What happens to my data if I cancel?
Nothing is deleted on downgrade — over-limit accounts become read-only until you export or resubscribe. The transactions CSV export is free on every plan, and deleting your account removes everything.
Is this financial advice?
No. Fire Horizon shows projections computed from your own assumptions — estimates for education and planning, not recommendations to buy or sell anything.
Do you sell my data?
No. Broker linking runs through Plaid (we never see your credentials, and access tokens are encrypted at rest), and payments run through Stripe. Your financial data — portfolios, balances, holdings — is never sold or shared with advertisers. If you arrive from one of our ads, an advertising pixel measures only that a signup or subscription happened (see our Privacy Policy).

Your horizon is one import away.

Bring a CSV or link a broker — either way, you'll see your day before dinner.

Create your free account

Free to start · no card required · not financial advice