FIRE planning that crosses borders
Your FIRE number depends on where you retire. Watch it move.
Most calculators tax you where you live today and stop there. Ember models tax-residency moves over time — UK pensions drawn as a Dubai resident, investments taxed in one country and inherited under another — so your number is built around where you'll actually retire, covering 30 countries (with more on the way) and 36 currencies.
No card required · drops to a free plan after the trial, your data stays · not financial advice
Required pot · retiring to Dubai
$1,235,000
FIRE date · Sep 2033
+$25,000 vs staying in London
Zero tax on the drawdown — cancelled out by premium rents and compulsory private health cover that climbs with age
Illustrative example — one saver, same lifestyle; figures reflect local taxes and living costs. Your numbers depend on your plan · not advice.
Quick estimate
See your number in seconds
Illustrative only — assumes a constant annual return with contributions at month-end, and ignores tax, fees and inflation. Ember models the real thing: multi-currency, tax by jurisdiction, Monte Carlo and your actual accounts.
Want to see how your number changes by country? Try the full FIRE calculator →
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.
Only Ember does this
All features →Cross-border tax
Tax, every year, in every country
See exactly where you'll pay tax — every year, in every country, for the rest of your life.
See the feature →Residency over time
Plan the move, not just the money
Lay out your life as a sequence of countries — and see what each border crossing does to your plan.
See the feature →Estate & inheritance
What actually reaches your heirs
Cross-border estate maths: two countries' inheritance rules, treaties, and the waterfall from gross estate to what's left.
See the feature →Global coverage
Your countries. Your currencies.
Versioned tax, pension and estate rules across 30 countries — every figure carrying its source and confidence.
See the feature →Multi-currency net worth
36 currencies (including Bitcoin & Ether) 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 exchange sync (IBKR, Trading 212, SnapTrade & more), live ticker pricing, and AI insights grounded in your own numbers.
Most FIRE tools vs Ember
Where a typical single-country calculator stops — and where Ember keeps going.
| Capability | Most FIRE tools | Ember |
|---|---|---|
| Save your plan for free (most tools charge to save) | Often paid | ✓ |
| Tax across countries as your residency moves over time | — | ✓ |
| Multi-currency — money never converted at rest | Usually one currency | ✓ 36 |
| Cross-border estate & inheritance (IHT) | — | ✓ |
| Compare your plan across countries | — | ✓ |
| The working shown behind every number | Black box | ✓ |
| Monte Carlo & stress tests on your real plan | Sometimes | ✓ |
Simple pricing
Every account starts with 72 hours of the full engine. Annual billing saves 15%.
Spark
Free
Free forever, no ads
- ·Track your whole net worth — investments, debts, pensions & property
- ·Your plan saved — free, forever
- ·FIRE date, SWR & coast numbers
- ·A retirement success score
- ·Multi-currency with daily FX
- ·3 AI coach questions / month
- ·CSV bank-statement import
Ember
$14.99/mo
No ads, ever
- ·The full modelling engine
- ·Monte Carlo, stress tests & backtests
- ·Broker & exchange sync — up to 3 live connections
- ·Debt optimiser & cashflow insights
- ·PDF reports & Google Sheets export
- ·AI retirement coach + 20 expert planning conversations/mo
Blaze
$29.99/mo
No ads, ever
- ·Everything in Ember
- ·Unlimited broker connections
- ·Bank sync (Open Banking) — coming soon
- ·100 premium AI planning sessions/mo (Sonnet-class)
- ·Priority data refreshes
Frequently asked
A bit more about Ember before you sign up.
What is Ember?
Ember is a multi-currency FIRE (Financial Independence, Retire Early) tracker. It brings your net worth, investments, pensions, debts and property together and models your path to financial independence — your FIRE date, safe-withdrawal-rate target, Monte-Carlo confidence, debt payoff and more — with the maths behind every number explained.
Is Ember financial advice?
No. Ember is an information and modelling tool, not a regulated financial adviser. Nothing in the app is financial, investment, tax or legal advice, and projections are illustrations based on your own assumptions — not guarantees. For decisions about your money, speak to a suitably qualified, regulated adviser.
How accurate are the projections?
They're only as good as your inputs — expected returns, inflation, contributions. Ember works in real (today's-money) terms by default, shows the maths behind every figure, and runs Monte-Carlo simulations to give a range of outcomes rather than one false-precision number. Markets are uncertain: treat projections as a well-reasoned guide, not a promise.
Is my financial data secure?
Security is built in: mandatory two-factor authentication, per-user encryption of sensitive data, strict tenant isolation so no account can ever see another's data, and EU hosting by a UK-registered operator. We will never email, call or message you asking for your password, 2FA codes, recovery/seed phrases or API keys — and we never sell your data.
Do I need to be in the UK?
No. Ember is multi-currency (36 currencies, including Bitcoin and Ether) and built for globally-mobile, multi-jurisdiction finances — whether you're a UK resident, an expat, or non-UK-resident with UK pensions.
What do the plans include?
Every account starts with 72 hours of the full engine. After that, Spark covers the core tracker, Ember unlocks the full planning engine (simulations, insights, reports and AI chat), and Blaze adds the most advanced modelling. Current prices are in the pricing section on the homepage.
How does the free trial work?
You get 72 hours of everything when you sign up — no card needed to start. After the trial you continue on the free Spark plan, and you can upgrade to Ember or Blaze — or switch plans — any time from your account settings. Your data stays put if you move between plans.
Can I export my data?
Yes — your data is yours. Export your holdings and projections as CSV, and full PDF reports (FIRE plan, monthly review, snapshot) from the Reports page.
Who's behind Ember?
Ember is built and operated by Planespoken Ltd, a company registered in England & Wales (no. 11084007). Questions? Email [email protected].