Cut your fees, keep more net return
Adjust your allocation, analyze your diversification and compare your strategies side by side to reach FIRE more efficiently.
Free, no credit card. Results in 2 minutes.
A €200,000 portfolio
Current fees
1.8% per year
After optimization
0.3% per year
Over €60,000 in fees avoided across 20 years
Hypothetical scenario for illustration. Your real outcome depends on your situation.
The right risk reward balance, visible instantly.
Live allocation slider
Set your stock share and your conservative share, the projection updates instantly.
Diversification analyzed
Breakdown by geography, sector and market segment.
Multi envelope accounting
CTO, PEA, assurance vie, PER, with a tax optimized withdrawal order.
Two trajectories head to head, with no ambiguity.
Side by side comparison
Two scenarios in parallel with quantified gaps and a winner indicator.
Saved scenarios
Save named scenarios with all of their parameters.
Public scenario sharing
Generate a read only address to share a scenario.
Concrete levers, with their quantified impact.
Strategy carousel
Three packs (Micro, Macro and Boost), with immediate impact simulation.
Action plan generator
The tool calculates the contribution increase or spending cut needed to aim for FIRE.
Comfortable retirement mode
Project a higher standard of living and measure its cost.
The details that make a huge difference over thirty years.
Impact of fees
Compare your portfolio with and without annual fees, across the whole duration.
Year by year detail
Return by asset class, capital gains and tax, broken down each year.
Retirement country
Adjust your expenses to the cost of living of your target destination.
Three reading angles, designed for desktop and mobile.
Three tabs
Summary, Comparison and Advanced simulation, optimized for every screen.
Monte Carlo probability band
Overlay your plan's success rate on the main curve.
Free or Premium?
Included for free
- Live allocation slider
- Diversification analyzed
- Saved scenarios
- Public scenario sharing
- Strategy carousel
- Action plan generator
- Comfortable retirement mode
- Impact of fees
- Year by year detail
- Retirement country
- Three tabs
With Premium
- Multi envelope accounting
- Side by side comparison
- Monte Carlo probability band
Frequently asked questions
What is portfolio optimization when you are aiming for FIRE?
It means setting your allocation between stocks and conservative holdings, measuring your geographic and sector diversification, and then comparing several strategies to reach independence sooner. Every adjustment updates your FIRE date in real time, fees and taxation included.
How do you set the right allocation between stocks and conservative funds?
The allocation slider adjusts the stock share and the conservative share live, and the projection recalculates instantly. You see the effect on your final capital and on your FIRE date, without moving forward blindly.
What is the impact of fees on a long term portfolio?
The tool compares your portfolio with and without annual fees across the whole duration. The year by year detail breaks down return, capital gains, and tax by asset class, which makes the true cost of fees over 30 years visible.
How does the withdrawal order between envelopes reduce taxation?
The multi-envelope accounting covers 4 envelopes (the CTO, the PEA, the assurance vie, and the PER), with a tax optimized withdrawal order. Drawing from the right envelope at the right time limits the taxation of your withdrawals in retirement. This feature is part of the Premium plan.
Is portfolio optimization free?
The allocation slider, the diversification analysis, the strategy packs, and the action plan generator are free. Side by side scenario comparison, multi-envelope accounting, and the Monte Carlo probability band are part of the Premium plan.
Put your portfolio on a FIRE diet
Test your first strategy in a few minutes.
Free, no credit card. Results in 2 minutes.