See your path to financial independence.

Turn your real spending, savings, assets and debt into a FIRE plan that changes with you.

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Know when work becomes optional

See your FIRE date, target number and projected net worth together, based on the money you actually have today.

Fireball FIRE timeline and net-worth projection showing the estimated date and progress towards financial independence

Build the plan around your life

Set your retirement age, spending, withdrawal rate and growth assumptions instead of relying on one generic rule.

Fireball controls for retirement age, withdrawal rate, retirement spending, investment returns and income growth

See freedom from both sides

Track your FIRE timeline and debt-free date together, with assets, debt and projected net worth in one view.

Fireball debt-free timeline beside an assets-and-debt projection showing progress towards FIRE

Explore more than one version of FIRE

Compare Lean, Coast and Fat FIRE, then use what-if controls to see how each choice changes your path.

Fireball Lean FIRE, Coast FIRE and Fat FIRE comparisons with FIRE progress and what-if controls for savings, returns, withdrawal rate and retirement spending

Turn the next milestone into a real goal

Give every goal a target, funding plan and one place to track each contribution as it gets closer.

A small touch we love: choose a background that reminds you what you are saving for.

Fireball emergency-fund goal with a custom piggy-bank background, progress details, monthly funding plan and contribution history

Common questions

Terms explained

  • FIRE number

    A FIRE number is the invested amount you need for your investments to cover your yearly spending, often 25 times annual spending.

  • Safe withdrawal rate

    A safe withdrawal rate is the share of your portfolio you can spend each year with a low chance of running out, commonly 4%.

  • Coast FIRE

    Coast FIRE is having enough invested today that, with no more contributions, it could grow to your retirement target on its own.

  • Sequence of returns risk

    Sequence of returns risk is the danger that a market fall early in retirement drains a portfolio faster than the same fall later on.

  • NZ Super

    NZ Super is the New Zealand government pension paid from age 65 to residents who meet the residency rules.

  • LVR

    A loan to value ratio (LVR) is the size of a mortgage compared with the property's value. An 80% LVR means a 20% deposit.

See the full glossary
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