UntilFire
Calculates the actual date your savings and investments would let you stop needing a paycheck — and lets you drag sliders to see how a bigger raise or a cheaper city moves that date.
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Description
"How much do I need to retire" usually gets answered with a vague rule of thumb, not a real number tied to your actual spending and savings. UntilFire turns that vague question into a specific projected date, using the same math (the 25x rule, a 4% safe withdrawal rate) that the FIRE (Financial Independence, Retire Early) community has used for years, then lets you see exactly what changes that date.
UntilFire is a FIRE calculator and personal finance planner. It computes your "freedom date" — the point at which work becomes optional — using the 25x rule and 4% safe withdrawal rate, and lets you model the impact of decisions (a raise, moving to a cheaper city, cutting a expense) via interactive sliders that show how each change shifts your timeline. It includes a dashboard for cashflow, assets and liabilities, an investment portfolio simulator, bank syncing through Plaid across 14,000+ institutions, cost-of-living data for 300+ cities worldwide, and several specialized calculators (Coast FIRE, savings rate, compound interest).
💬 Our review
The short version: the free tier covers the core calculator and dashboard, so you can get your actual freedom-date number before ever paying — the $4.99/month Pro tier is only worth it once you want ongoing bank-synced tracking rather than a one-time calculation.
Its advantage over a generic retirement calculator is depth specific to the FIRE community's actual methodology — Coast FIRE, savings-rate modeling, and decision sliders that show real-time impact are built for people who already think in these terms, not a general retirement-planning audience. Global cost-of-living data for 300+ cities is also a genuinely useful feature for anyone considering geographic arbitrage (moving somewhere cheaper to reach FIRE faster), which most mainstream personal-finance apps like Empower/Personal Capital don't emphasize. The trade-off is that this is a narrow, single-purpose tool — it's not a full budgeting app or investment platform, so users still need something like YNAB or a brokerage for the actual day-to-day management. Best fit: anyone actively pursuing financial independence who wants a concrete number and sliders to test scenarios. Weaker fit: someone wanting comprehensive day-to-day budgeting or investment management — this stays focused on the FIRE-date calculation specifically.
💰 Pricing
📊 Global score
🤖 AI-enriched data
Gratuit : calculateur et tableau de bord de base. Pro : 4,99 $/mois après un essai gratuit de 3 mois. Synchronisation bancaire illimitée et conseiller IA FIRE inclus en Pro.
Pros
Méthodologie FIRE précise (règle des 25x, taux de retrait 4%), pas un calculateur retraite générique
Sliders de décision montrant l'impact en temps réel sur la date de liberté
Données de coût de la vie pour 300+ villes — utile pour l'arbitrage géographique
Synchronisation bancaire via Plaid (14 000+ institutions)
Cons
Outil mono-fonction — ne remplace pas une vraie app de budgeting ou de courtage
Le vrai palier gratuit ne couvre que le calcul de base, la synchro bancaire est payante
Marché de niche (communauté FIRE), moins pertinent pour un public de planification retraite classique
Nécessite un abonnement Pro pour un suivi continu réel