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Sagar · financial independence

FIRE Tracker

Net worth, balance sheet, and a path to financial independence using the 4% rule (25× annual spending). All figures in today's dollars (real returns).
Net worth
Investable portfolio
FIRE number
Est. FIRE (7%)

Progress to financial independence

Net worth breakdown

Investments
Retirement
Cash
Home value
Insurance cash value
Other assets
Liabilities (incl. mortgage)
Total net worth

Accounts & balances

Investment accounts (joint)

Joint investments

Retirement accounts

Total retirement

Cash accounts

Total cash

Income (annual, gross)

Household income

House

Zestimate
Mortgage balance
Home equity
Payment (P&I)
Rate
Years left
Interest remaining
Payoff

Life insurance coverage

Death benefits protect your family but aren't spendable assets. Only the whole-life cash value counts toward net worth.
Whole life
Term
Accidental rider
Total coverage
Premium
Annual premium
Cash value (asset)

Liabilities

Annual contributions

Total invested per year

FIRE projection explorer interactive

Drag the slider to test different annual contributions and watch the FIRE dates and Coast FI move.
$
Conservative
5% real return
Moderate
7% real return
Optimistic
9% real return

Portfolio growth projection

Conservative 5% Moderate 7% Optimistic 9% FIRE target

Coast FI explorer interactive

Coast FI is the point where your invested assets will grow into your FIRE number by a target age with zero further contributions — after that you'd only need to cover current expenses. Set the target age and slide contributions above to see both move.
Coast FI number (needed invested now)
You reach Coast FI