e.g. pension / Social Security / rental — reduces the portfolio you must build. Starts at age
.
Market risk & retirement
Taxes & accounts PRO
Assumptions
Your path — accumulation & retirement survival
What this means
Milestones
Click any row to break down that year's income, spending, events & growth.
What moves your FI date most PRO
Unlock Ember Pro
The free plan gives you your FIRE number & timeline. Pro adds the
depth that answers “will it actually last?”
Pro — Annual
Monte Carlo success probability
Retirement drawdown & longevity
Life-event modeling & A/B compare
CSV / PDF export
$79
/year · save 26%
Pro — Monthly
$9
/month
Lifetime— pay once
$249
one-time
Sandbox checkout. In production this is a Paddle overlay (card / Apple Pay / PayPal, global tax handled). On payment you receive a cryptographically signed license your app verifies offline — no account needed to stay Pro.
These are anonymous counts only — no amounts, no identity — and they never leave your browser. In production these would aggregate on a privacy-first analytics service (no PII). This is your data; here's all of it.
Encrypt data on this device
Optional. Stores your plan as ciphertext (AES-GCM) that can’t be read from local storage without your password. Zero-knowledge — no recovery if you forget it.
This device’s plan is locked
Enter your password to unlock. Everything is decrypted locally — nothing is uploaded. There is no recovery if you’ve lost it.