Freedom date · iPhone
Wealthy isn't rich.
It's a state of being. Wealthy means your money lasts forever — and there is a year your numbers reach it. Three inputs. The math you've never been shown.
The math
How $1.65M lasts forever.
The number that decides when you're free is one multiplication. Walk through it once and you'll never need a calculator to estimate your finish line again.
Step 01 — The target
Spend $5,500 / month
$66,000 / year
× 25 = $1,650,000
Twenty-five times your annual spending. That's the line. At historical stock-market returns, a portfolio that size lasts forever.
Step 02 — Why it works
$1,650,000 invested
~5% real return / year
You take 4% = $5,500 / month
Your portfolio earns 5%, you take 4%. The 1% gap is the buffer that makes it last forever, even through bad market years.
That's the whole math. The app does it with your spending, your savings, your invested balance — and tells you the year your portfolio crosses the line.
What's made this hard
Every tool asks the wrong questions.
FIRE math isn't hard. The tools are. If you've ever tried to figure out your number and given up, you've probably hit one of these.
They ask you things you don’t know.
Future raises. Inheritance probabilities. The interest rate in twenty years. You guess, the answer changes, you stop trusting the answer.
You don’t trust the assumptions.
Forty parameters, hidden defaults, a Monte Carlo cloud. Nobody shows the math underneath, so the result feels like a guess wearing a suit.
The number changes every time.
Different tool, different paragraph, different range. There’s no through line to anchor on. Month-to-month moves feel invisible.
You’ve never actually tried.
Because the first three made the math feel hostile. So the question — when does work become optional — stays open in your head, unanswered.
How it's different
The same math. Without the smoke.
Traditional tools
What you get elsewhere.
- Forty-seven inputs, half of them guesses
- Confidence intervals, probability clouds, ranges
- Assumes you retire at 65
- Hides the math behind a paywall or an advisor
- Sells you products instead of answers
FIRE Projection
What you get here.
- Three numbers — invested, saving, spending
- One year, not a range — your numbers, the math
- Shows the year work becomes optional, whatever your age
- The math is in the app. The answer is yours to keep.
- No products. No advisor. No agenda.
What you get
Three numbers. One real year.
The app runs the same math you just walked through — with your numbers. It shows you the year, then shows you the levers that move it in.
01
Three numbers.
Invested, saving, spending. Estimates are fine — you can refine later. The math only needs what you actually know.
02
One real year.
Not a range. Not a probability cloud. The year your portfolio crosses 25× your spending — the year work becomes optional.
03
Time is the lever.
There’s no substitute for time. Compound interest does the heavy lifting — get in the game as soon as you can and the math runs in your favor.
04
Premium moves the year.
Seeing the year is one thing. Moving it is another. Premium itemizes every account and saving stream, folds in Social Security, and opens the scenario playground.
Questions
The things people ask before downloading.
- Twenty-five times your annual spending. Spend $66,000 a year — that’s $5,500 a month — and you need $1,650,000 invested. At ~5% real returns, the portfolio grows faster than your 4% withdrawal. The money lasts forever. Multiply by your number to see yours.
- The year, the inputs, and the simulator — fully working, no trial, no feature gates, no upgrade-to-see-your-results. Premium is the levers: itemized accounts, savings streams, Social Security folded into your portfolio, and the scenario playground.
- Then you see it — plainly, no euphemisms. The point of a real date is to make the levers real. Move your savings rate up 5%, the year jumps in by years. There’s no substitute for time, so seeing the distance is the first move toward closing it.
- As accurate as the math allows. 5% real returns after inflation. Monthly compounding. Current numbers only — no Social Security, no inheritance, no future raises, no real-estate equity. Conservative on purpose. Your real year is almost always sooner than what the app shows.
- Because that’s all the math needs. Your savings rate — the gap between what you earn and what you spend — is the single variable that decides your year. The other forty fields don’t change the answer. They just make the tool harder to trust.
- V1 doesn’t fold them in. The conservative case — current spending invested in broad index funds — is the foundation. Everything else only pulls your date in. Premium adds Social Security folded into your starting portfolio.
- The levers that move your year. Every account and saving stream itemized. Monthly snapshots so the year moves over time. A scenario playground for what-ifs. Social Security in your starting portfolio. Export your full record. Premium is for getting there sooner.
Download
See the year your money lasts forever.
Three numbers. The math you’ve never been shown. One real year.