Master Your Roadmap to Financial Independence

Harness the power of intelligence with FIREplanner.AI, your free AI-assisted architect for wealth building. Our platform uses advanced Monte Carlo simulations to help you maximize every dollar and discover the most efficient path to early retirement (FIRE).

Visualize how your habits translate into real-world independence. We apply the Financial Order of Operations (FOO) to audit your plan against 250 market scenarios. Calculate your safe withdrawal rate, optimize asset allocation, and stress-test your portfolio against market crashes.

How to Use the Assistant

Input Vitals: Enter income, debt, and investments.
Strategy Sliders: Adjust target yield and withdrawal rates.
Financial Prescription: Follow the steps to optimize wealth.

1. Budget Intelligence

Upload Bank CSV
Automate categorization

Housing

Utilities

Food

Transport

Medical

Lifestyle

Debt Pmt

Other

2. Investment Strategy

Target Annual Return (%)

7.0%

S&P 500 Index Funds (VOO)

Kelly-Optimal Balance

Withdrawal Rate (%)

4.0%

Current Portfolio ($)

3. Cash Flow (Annual)

Net Income ($)

Spending ($) (Auto-Calc)

Annual Invest ($) (Auto-Calc)

Annual Debt Pay ($)

4. FOO Audit Checklist

1. Deductibles Covered?

2. Employer Match?

3. High-Interest Debt ($)

High-Interest Rate (%)

18.0%

4. Emergency Fund ($)

5. Roth & HSA Maxed?

6. Max-Out Retirement?

7. Hyper-Accumulation?

8. Prepaid Future Exp?

9. Low-Interest Debt ($)

Low-Interest Rate (%)

4.5%

5. Timeline

Current Age

Target Retirement Age

Budget Breakdown

Architect Tip: Analyzing...

Success Rate

--%

Target Nest Egg

$--

Current Net Worth

$--

Debt-Free Age

FOO Logic Prescription

Analyzing...

Monte Carlo Gradient

⚡ Market Crash (Black Swan)

Size: -30%

Year: 10

📚 Knowledge Base (Beta)

🚧

FIRE Resources

Learn about Roth Conversion Ladders, 72(t) Distributions, Tax-Loss Harvesting, and the 4% Rule.

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