FIRE planning · multi-currency · explainable maths
Know the day work becomes optional.
Ember tracks your net worth across 30 currencies, models your path with Monte Carlo simulation, and shows the working behind every number — your FIRE date, safe withdrawal rate, and what to do next.
No card required · keeps working free after the trial
Projected net worth
£0
FIRE date · Sep 2032
One place for the whole journey
01
Track
Assets, debts, pensions, properties and brokerage accounts in one ledger — each held in its own currency and converted only when the maths needs it.
02
Model
Monte Carlo simulations, stress tests and historical backtests run against your real plan — not a generic calculator's guess.
03
Decide
A FIRE date with receipts: open any figure to see exactly how it was computed, then test the what-ifs before you act on them.
Multi-currency net worth
30 currencies with daily FX. Money is never silently converted at rest — your pounds stay pounds, your dirhams stay dirhams.
FIRE date & safe withdrawal
Your financial-independence date, coast number and SWR — recalculated live as your wealth moves.
Monte Carlo & stress tests
Thousands of simulated market paths, crash overlays and historical sequences against your actual portfolio.
Debt optimiser
Avalanche vs snowball with real amortisation — see the payoff date and interest saved for every strategy.
Pensions, ISAs & wrappers
UK pensions, ISA allowances and taxable wrappers modelled separately, with versioned tax rules — not hardcoded guesses.
Sync & AI insights
Broker and bank sync (IBKR, Trading 212, TrueLayer), live ticker pricing, and AI insights grounded in your own numbers.
Simple pricing
Every account starts with 72 hours of the full engine. Annual billing saves 10%.
Spark
Free with ads
or $1.99/mo ad-free
- ·Manual asset, debt & pension tracking
- ·FIRE date, SWR & coast numbers
- ·Multi-currency with daily FX
- ·CSV bank-statement import
Ember
$9/mo
No ads, ever
- ·The full modelling engine
- ·Monte Carlo, stress tests & backtests
- ·Debt optimiser & cashflow insights
- ·PDF reports & Google Sheets export
- ·AI insights included
Blaze
$19/mo
No ads, ever
- ·Everything in Ember
- ·Live bank & broker sync
- ·Deeper AI on a stronger model
- ·Priority data refreshes