Your personalized action plan to reach FIRE sooner
Your copilot analyzes your situation and suggests concrete levers. Turn them on, combine them, and watch your independence date move up in real time.
Free, no credit card. Results in 2 minutes.
32 years old, €1,200 saved every month
No lever activated
Independence at 51
With geo-arbitrage and debt payoff
Independence at 46
5 years saved
Hypothetical scenario for illustration. Your real outcome depends on your situation.
Not just a calculator: an assistant that proposes and quantifies.
Personalized diagnosis
Your current FIRE age compared to your optimized age once the levers are applied.
Ranked recommendations
Lever cards sorted by impact, to include or exclude in one click.
Real time sandbox
Check or uncheck a lever and your FIRE date recalculates instantly.
Detailed analysis per lever
A before and after impact receipt for each strategy.
Eleven ways to reinvent your trajectory.
Domestic and international geoarbitrage
Lower your cost of living by changing city or country.
Coast FIRE and Flamingo FIRE
Ease off once a milestone is reached and let compound interest finish the job.
Mini retirement
Quantify the exact cost of a break lasting several months and decide with full awareness.
Real estate strategies
Buy, sell, downsize, house sharing or rental investment, all compared to renting.
Optimize the mechanics of your investments.
Snowball effect
Reinvest your dividends to unleash the full power of compound interest.
Flexible withdrawal
Agree to flex your spending in bad years to aim for a higher withdrawal rate.
Safety cushion
A few years of expenses set aside to weather crashes without selling at a loss.
The major moves that change the equation.
Bridge to the state pension
Factor in your future pension to reduce the FIRE capital you need.
Debt payoff before FIRE
Free up your monthly cashflow and remove the weight of interest.
Lombard loan
Borrow against your portfolio instead of selling your holdings.
Bring your net return closer to your gross return.
Tax shield
House your investments in tax advantaged envelopes and protect your gains.
Tax expatriation
Arbitrage your jurisdiction to bring your net return closer to the gross return.
Free or Premium?
Included for free
- Personalized diagnosis
- Ranked recommendations
- Real time sandbox
- Detailed analysis per lever
- Domestic and international geoarbitrage
- Coast FIRE and Flamingo FIRE
- Mini retirement
- Real estate strategies
- Snowball effect
- Debt payoff before FIRE
With Premium
- Flexible withdrawal
- Safety cushion
- Bridge to the state pension
- Lombard loan
- Tax shield
- Tax expatriation
Frequently asked questions
What is a FIRE copilot?
It is an assistant that analyzes your situation and proposes concrete levers to reach independence faster. Each lever is quantified: your FIRE date recalculates in real time based on the ones you turn on or off.
What levers does the copilot propose to reach FIRE faster?
The copilot brings together 19 levers grouped into families: lifestyle choices such as geoarbitrage or Coast FIRE, portfolio optimization, structural levers such as debt payoff, and tax levers. Each one shows its before and after impact on your independence date.
What is geoarbitrage as a FIRE strategy?
Geoarbitrage means building your capital in one economy and then living where the cost of living and taxation lower the amount needed for independence. Well chosen, a host country can move your FIRE date up by several years.
What is Coast FIRE?
Coast FIRE is the moment when your already invested capital is enough for compound interest alone to reach your retirement goal, with no new contributions. You can then ease off and fund only your day to day expenses.
What is a Lombard loan?
A Lombard loan is a loan backed by your securities portfolio, which serves as collateral. It lets you free up cash without selling your holdings, and therefore without triggering capital gains tax. In return, the pledged securities must keep enough value: a sharp market drop can trigger a margin call.
Is the copilot free?
The diagnosis, the real time sandbox, and the lifestyle levers such as geoarbitrage, Coast FIRE, and debt payoff are free. The advanced levers, flexible withdrawal, safety cushion, bridge to the state pension, Lombard loan, tax shield, and tax expatriation, are part of the Premium plan.
What if you gained years?
Activate your copilot and discover your levers in a few minutes.
Free, no credit card. Results in 2 minutes.