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MoneyOnFIRE
A financial independence (FIRE) planning platform. Users enter their
Their llms.txt
The beginning of the file, from our validated copy saved 2026-10-23T19:58:35.628Z. Cached copy · Source on moneyonfire.com
# MoneyOnFIRE
> A financial independence (FIRE) planning platform. Users enter their
> financial data and get a personalized FI date, portfolio projection,
> and actionable roadmap. Free at moneyonfire.com.
## Calculators
- [FIRE Calculator](https://www.moneyonfire.com/fire-calculator): Core product — enter income, expenses, assets, debts, and goals to get your personalized FI date and roadmap
- [Net Worth Calculator](https://www.moneyonfire.com/net-worth): Compare your net worth to others in your age group
- [College Savings Calculator](https://www.moneyonfire.com/calculators/college): Model education funding with 529 plans
- [Fee Impact Calculator](https://www.moneyonfire.com/calculators/fees): See how investment fees affect long-term returns
## Features
- [FIRE Metrics](https://www.moneyonfire.com/features): Personal FI date and FI number
- [College Planning](https://www.moneyonfire.com/features/college): 529 plans integrated with FIRE
- [RSU Management](https://www.moneyonfire.com/features/rsu): Sell vs hold modeling
- [Tax Optimization](https://www.moneyonfire.com/features/taxes): Federal and multi-state taxes
- [Scenario Planning](https://www.moneyonfire.com/features/scenarioplanning): Compare what-if scenarios
- [Inflation Protection](https://www.moneyonfire.com/features/inflation): Real vs nominal projections
## Articles
### Start Here
- [Lightning-Fast Introduction to FI](https://www.moneyonfire.com/resources/intro): The simple path to buying back your time—no matter your income.
### FI Fundamentals
- [How Much Will Retirement Cost?](https://www.moneyonfire.com/resources/how-much-to-retire): Your retirement number starts with one question: what will your life actually cost? Here's how to build a realistic expense estimate.
- [How Much Do I Need to Save?](https://www.moneyonfire.com/resources/how-much-to-save): The 25x rule gives you a starting target, but taxes, inflation, and debts shift the real number. Here's how to think about your FI number.
- [Navigating the Challenges of FI](https://www.moneyonfire.com/resources/navigating): The biggest obstacles between you and financial independence—and practical strategies to overcome each one.
- [How to Save Towards Your Number](https://www.moneyonfire.com/resources/how-to-save-towards-your-number): You have a target. Now where should each dollar go? A priority-based approach that funds the highest-impact step first.
- [Where to Put Your Money: Account Types 101](https://www.moneyonfire.com/resources/account-types-101): 401(k), IRA, Roth, HSA, 529, taxable brokerage — what they are, how they're taxed, and why the distinctions matter for FI planning.
- [Why 25x Might Really Be 33x](https://www.moneyonfire.com/resources/four-percent-rule-taxes): The 4% rule ignores taxes on withdrawals. At higher spending levels, that blind spot can mean your FI number is 20-40% too low.
- [Coast FIRE, Barista FIRE, Lean FIRE, Fat FIRE — Explained](https://www.moneyonfire.com/resources/fire-types): FIR
…
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