Estimate your FIRE age in 30 seconds
Discover the exact date when work becomes optional.
Fast-track your freedom by 10 years
Find your ideal destination. Swipe to design your new life.
🇧🇬Bulgaria
The European tax hack
🇦🇪United Arab Emirates
The absolute 0% paradise
🇵🇹Portugal
The sunny European
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Everything you need to reach FIRE
Powerful tools to plan, simulate and optimize your path to financial independence.
Portfolio & Budget
Track your wealth, categorize your assets and manage your monthly budget.
FIRE Simulation
Advanced projections with Monte Carlo and multiple scenarios over 30+ years.
Expat Map
Compare 80+ destinations to optimize your taxation and cost of living.
Optimization
Identify the levers to accelerate your financial independence.
Training
Master the concepts: SWR, compound interest, diversification.
Multi-currency
Manage your wealth in EUR, USD, CHF, GBP, CAD, AUD, BRL with real-time exchange rates.
How it works
5 steps to take control of your financial future.
Configure
Enter your assets, income and life goals.
Simulate
Visualize your projections over 30+ years with Monte Carlo.
Optimize
Discover the actions to reach FIRE faster.
Explore
Compare 80+ destinations to optimize your purchasing power and accelerate your FIRE.
Export
Save and share your scenarios.
They planned their freedom
IGIgor G.32 · Project Manager“I finally have a clear picture of when I can reach financial independence. The Monte Carlo simulations reassured me on my strategy.”
AGAlexis G.23 · Freelancer“The expat map helped me discover that Portugal was the ideal destination for my early retirement. A game-changer.”
FCFlorian C.28 · Product Manager“A real gem on the market, the perfect intersection between FIRE and geo-arbitrage.”
Built for trust and transparency
Private by design
Your data stays on your device. No tracking, no data selling. Premium members get automatic cloud sync, which can be disabled at any time.
Science-backed models
Monte Carlo, compound interest, and real tax data power every projection.
Transparent methodology
Every formula and assumption is documented and verifiable.
Frequently asked questions
FIRE (Financial Independence, Retire Early) is a movement that aims to achieve financial independence as early as possible through aggressive saving and smart investing.
Yes, the basic simulation is completely free and requires no sign-up. You also get access to the interactive expat destinations map with cost-of-living comparisons and tax data for 80+ countries. Advanced features (multi-scenario, export, sync) are available with a Premium subscription.
Absolutely. Your data is encrypted and securely stored. We never sell your personal information. You can use the tool without creating an account; in that case, your data stays on your device only. Premium members can enable cloud sync to access their data across all their devices.
Yes, our interactive map covers 80+ destinations with data on cost of living, taxation and quality of life to optimize your expatriation strategy.
The Monte Carlo simulation generates 10,000 random economic scenarios to estimate your probability of success. It accounts for market volatility, inflation and your personal parameters.
Simple, transparent pricing
Start for free. Upgrade when you need more power.
Initiate
Your first FIRE simulation. Free, private, no commitment.
- Your Wealth & Budget in real time: interactive visual dashboards (Sankey, multi-currency with auto FX rates).
- Standard Projection Engine: simulate your FIRE trajectory with your contributions and a fixed withdrawal rate (SWR).
- Geo-Arbitrage Map (Discovery): explore the cost-of-living index and base FIRE score across 80+ countries.
- Copilot (Essentials): 3 optimization strategies (Latte factor, subscription cleanup…) to boost your savings rate.
- 100% Private & Training included: your data stays local, includes the FIRE Academy (5 training levels).
Architect
Everything you need to reach FIRE 10 years earlier.
Billed $249 annually
- The Ultimate Algorithm ("Where & When?"): instantly discover in which country and in how many years you will officially be FIRE.
- Monte Carlo Engine & Extreme Scenarios: stochastic inflation, fat tails, granular cost-basis (PRU) tracking and withdrawal-order optimization.
- Full Geo-Arbitrage Data Room: access the 21 hidden variables across 80 countries (wealth taxes, dividends, capital gains, safety, healthcare).
- Copilot FIRE (Full Access): unlock 20 massive optimization strategies (geo-arbitrage, Flamingo FIRE, Lombard credit, rental).
- Comparator & 360° Audit: save your scenarios and audit 100% of your projections via 7 detailed decision-support dashboards.
- Advanced Anti-Ruin Strategies: VPW, Guardrails (Guyton-Klinger), plan success probability.
14-day money-back guarantee. No questions asked.
Founder
Single investment. Perpetual dividends. Your lifetime FIRE license.
- All Architect features, forever, no annual renewal
- VIP access to new tools: estate planning, advanced tax optimization...
- FIRE Academy Premium: all modules, all levels, unlimited
- Direct founder line: guaranteed response within 24 hours
- Lock in your price: protected against future subscription increases
14-day money-back guarantee. No questions asked.