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MoneyOnFIRE is a financial independence calculator that models your financial life month-by-month. Instead of simple projections or 4% rule calculators, it simulates income, taxes, accounts, contribution limits, and withdrawals to estimate the fastest realistic path to financial independence.
The new version adds investment property modeling, support for multiple children, and interactive reports - all with no login required.
Version 3: Advanced capabilitiesThe most advanced FIRE calculator just got a major upgrade
MoneyOnFIREleft a comment
We’re Scott and Sunny, the founders of MoneyOnFIRE. This is our third launch here, and we’re excited to share a major upgrade. Over the past several months we rebuilt the core engine to make retirement planning more realistic and flexible. Most FIRE calculators rely on simplified assumptions like annual compounding or the 4% rule. MoneyOnFIRE takes a different approach by simulating your...
Version 3: Advanced capabilitiesThe most advanced FIRE calculator just got a major upgrade
MoneyOnFIREleft a comment
We’re Scott and Sunny - two long-time personal finance nerds who built MoneyOnFIRE because planning for financial independence is hard, and the cost of mistakes is high. Since our first version, we kept hearing three big requests: 1. “I don’t just want FIRE — I want better financial planning overall” 2. “Make the results easier to follow and actionable” 3. “Reduce the login friction” So with...
Version 2: For EveryoneFinancial planning, not just FIRE planning
We started with the FIRE crowd, but MOF is now for everyone. Plan across goals, timelines and accounts. See your roadmap in charts + actions. Do it all privately without login or any stored data.
Version 2: For EveryoneFinancial planning, not just FIRE planning
Get a clear, personalized roadmap to financial independence — know exactly how much you need, when you can get there, and the fastest path. No guesswork. Just confidence and control over your financial future.
MoneyOnFIREAccelerate your path to financial independence
MoneyOnFIREleft a comment
Hey PH! 👋 We’re Scott and Sunny and we’re excited to welcome you to MoneyOnFire 😊 A decade ago - we each independently discovered FIRE (Financial Independence, Retire Early). The idea of financial freedom and living on our own terms before 65 struck a chord. Six years ago, we met through mutual friends—each known as “serious finance nerds” in our circles. Naturally, we exchanged our...
MoneyOnFIREAccelerate your path to financial independence