Ember is a private, client-side FIRE planner that shows not just when you can retire — but whether your money actually lasts. Monte-Carlo and historical simulations, life events, guardrail spending. Free to start. No sign-up.
Build your plan — free → Try the Coast FIRE calcThe depth of a power tool, the speed of a free calculator, and a privacy stance no competitor offers.
Monte-Carlo & historical backtests give a real success probability and a safe retirement age — not just a single number.
Everything computes in your browser. Optional sync is zero-knowledge — we store only ciphertext we can't read.
Home, kids, a car, a career break, a windfall, other income — see each ripple through your plan.
Guyton-Klinger guardrails flex your spending with the market and can turn a risky plan into a robust one.
Six currencies, great on your phone, instant — no account, no wall between you and your answer.
Free covers your number & timeline. Pro is $79/yr — well under the $129–144 incumbents.
Start free. Upgrade when you want to know whether your plan survives a bad market.
no sign-up
or $9/mo · $249 lifetime
Instant single-purpose calculators — no sign-up.