Everything FirePath does
Not a spreadsheet, and not a single "you'll retire at 47" number. FirePath recalculates from your real balances every month, across every stage — planning, tracking, allocating, and eventually, spending down.
Plan
4-scenario FIRE projections
Bullish, Base, Bearish, and Conservative — each with its own editable return and monthly deposit, projected forward from your real current balance. You see a range of futures, not one optimistic line that quietly assumes everything goes right.
Monte Carlo, seeded by your own history
Instead of a canned assumption, the simulation samples from a distribution built off your actual return history (Box-Muller sampling under the hood). That means the odds it shows you reflect how volatile your own portfolio has actually been — not a generic market average.
Coast FIRE, calculated automatically
The exact balance you'd need today, growing at your implied return with zero further contributions, to still hit your FIRE target on schedule. Shown on your Dashboard and marked directly on your progress timeline.
Track
Actual vs. plan, every month
A rolling comparison of your real balance against all four scenarios, plus a streak counter for how many consecutive months you've run ahead or behind Base. A drift trend line shows whether that gap is widening or closing over time — not just where it stands today.
What's actually driving your growth
Every month's change gets split into deposits vs. market return, compared against your expected return over the last 3, 6, 12, and all-time windows. 'I'm up 12%' can quietly mean 'I saved a lot' — this tells you which one it is.
Annotate your own journey
Tag any entry with a life event — bought a car, got a bonus, changed jobs — and see it marked directly on your growth chart, in context, instead of buried in a spreadsheet row you'll forget the meaning of in six months.
Allocate
Target allocation, drift alerts, rebalancing tips
Add holdings by ticker (with live pricing) or manually, tag each by asset class, and set a target mix. The moment your actual allocation drifts more than 5 percentage points from target, you get flagged with a plain-English suggestion — trim here, or redirect new deposits there.
One dashboard, the full picture
Portfolio value, total invested, profit, FIRE progress, all-time peak, current drawdown, win rate, average and median month-over-month return, volatility, and your allocation breakdown — on one page, updated the moment you log a new balance.
Retire
Retirement drawdown modeling
Model the spending phase, not just the accumulation phase: fixed safe withdrawal rate, dynamic percentage, or guardrails — with longevity risk built into the projection, so you're not just planning to reach FIRE, but planning to stay there.
See it with your own numbers
Free to start. Add your current balance and see your own projections in a couple of minutes.
Start free →