Net Worth · FIRE Number · AI Brief
✦ AIKnow Exactly When You Can Stop Working.
Track every asset and liability. Calculate your FIRE number in three styles. See your years-to-FIRE with real-return math. Get an AI brief that reads your full financial snapshot and tells you the one lever to pull this month.
From $9/month
All 17 products included
Lean FIRE · Standard FIRE · Fat FIRE · Coast FIRE · 10 currencies
Most people have no idea what their net worth is. Even fewer know what number they need to stop working. You're about to know both.
Built for you if…
You've heard of FIRE but never sat down to calculate your actual number
You have money in multiple places — savings, investments, pension, property — and no single view
You're saving every month but have no idea how far away financial independence actually is
You want to know whether to optimise your savings rate, spending, or return assumptions
You track your finances but want an AI to cut through the numbers and tell you what matters
Sound familiar?
Most people hit at least three of these before they realise what's missing.
You don't actually know what your net worth is.
Cash here. ISA there. Pension somewhere. Car you haven't valued. Mortgage you haven't subtracted. Until you add it all up in one place, you're guessing. Guessing is not a financial plan.
You're saving without knowing when it's enough.
The 4% rule gives you a formula. But most people never apply it to their actual spending. Until you know your FIRE number — the specific portfolio value that funds your life indefinitely — "saving more" is a vague intention, not a plan.
You don't know which lever matters most.
Spend less, save more, or earn a better return — each has a different impact on your FIRE timeline. The numbers tell you which one to focus on. Most people never look at the numbers.
Your financial snapshots live nowhere.
You could look back at your net worth from a year ago and see how far you've come. But only if you'd saved it somewhere. Monthly snapshots turn a static number into a trend you can actually act on.
How it works
Enter your assets and liabilities
Cash, investments, retirement accounts, property, other assets. Then mortgage, loans, credit cards. Your net worth calculates instantly.
Set your FIRE profile
Current age, target age, annual spending, monthly savings, and your FIRE style — Lean, Standard, or Fat. The planner runs real-return math to show your years to FIRE and Coast FIRE number.
Track it over time and get your AI brief
Save a snapshot today, come back monthly to see the trend. When you want a clear-eyed summary, hit the AI brief button — four sections: where you stand, FIRE timeline, biggest lever, this month's action.
Preview
A sneak peek at the interface. Subscribe to unlock the full interactive tool.
Net Worth + FIRE Planner
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What you get
Included in all subscription plans. Subscribe once, access all 17 products.
Net worth calculatorAssets · Liabilities
5 asset types + 5 liability types. Totals and net worth update live as you type.
FIRE number calculatorLean · Standard · Fat
Three FIRE styles with automatic safe withdrawal rate. FIRE number = annual spend × multiplier.
Years-to-FIRE projectionReal-return math
Monthly compound iteration using your savings rate and inflation-adjusted return. Shows FIRE age.
Coast FIRE calculationStop-contributing point
The portfolio value you need today to coast to FIRE by your target age — no more contributions needed.
Net worth history chartMonthly snapshots
Save dated snapshots. SVG line chart renders your trajectory over time. Delta shown per entry.
AI financial brief4-section analysis
Reads your full snapshot — assets, FIRE progress, history trend. Returns: where you stand, FIRE timeline, biggest lever, this month.
Most people have no idea what their net worth is. Even fewer know what number they need to stop working. You're about to know both.
Subscribe and unlock all 17 products — fitness, finance, career, and lifestyle tools — synced across every device.
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Frequently asked
Lean FIRE (×20, 5% SWR) suits a minimal lifestyle with low fixed costs. Standard FIRE (×25, 4% SWR) is the Trinity study benchmark — maintains your current spending indefinitely. Fat FIRE (×33, 3% SWR) builds in a significant buffer for lifestyle inflation, healthcare, or early retirement with decades of runway. Start with Standard and see how the number feels.
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Included in all plans · From $9/month
Know your number. Know when you'll hit it.
Subscribe and access all 17 tools — fitness, finance, career, and lifestyle. Progress synced across every device.
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