UntilFire
In-depth reviewUntilFire is a free financial independence calculator and planner. It helps users see their financial picture, understand choices, and plan for early retirement. Calculate your FIRE number, freedom date, savings rate, and create a monthly plan to reach financial independence without needing to log in.
UntilFire, as it opens in a browser tab.
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How to install UntilFire as a PWA
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Why we recommend UntilFire
UntilFire stands out as a comprehensive and accessible tool for financial independence planning. It goes beyond basic calculators by offering features like a FIRE number calculator, freedom date calculator, and a monthly plan to reach financial independence. The app also supports budget tracking with needs vs. wants analysis and multi-currency support, which is particularly useful for a diverse user base. Its AI-powered transaction categorization and bank connection via Plaid streamline the data input process, making it easier for users to get started and maintain their financial overview. The fact that it's free and requires no login for its core functionality makes it an excellent, low-barrier entry point for anyone exploring financial independence.
Best use cases
Best for: Individuals aiming for early retirement who need a clear, actionable plan. Ideal for those who want to calculate their FIRE number, track their progress, and understand the impact of different financial choices. It's also suitable for users who prefer a free, no-login solution to manage their budgeting and financial independence journey across multiple currencies.
Honest limitations
While UntilFire offers robust calculation and planning features, its core free offering means advanced financial advisory or investment management tools are not included. The app focuses specifically on the 'Financial Independence Retire Early' (FIRE) framework, making it less suitable for users seeking general-purpose personal finance management without a FIRE goal.
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