Version 3: Advanced capabilities - The most advanced FIRE calculator just got a major upgrade

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 financial life month by month. The engine models: • income and taxes • retirement accounts and contribution limits • investment properties • children and college costs • withdrawal sequencing in retirement The goal is to estimate the fastest, realistic path to financial independence, not just a rough projection. Some highlights in this version: • investment property modeling • support for multiple children • interactive reports instead of static PDFs • login optional — run your numbers instantly A few thousand plans have already been run on the new engine, and we’re continuing to ship improvements regularly. The tool is completely free and we’d love feedback from the Product Hunt community. What assumptions do you think most FIRE calculators get wrong? Scott & Sunny Co-founders, MoneyOnFIRE