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Planning & FIRE

Plan retirement with your real numbers.

Three planning tools built on your live data: a forecasting simulator with life events, growth scenarios, and a FIRE planner.

app.finanzya.app · Planning & FIRE
FIRE in
8.4y
On track · base scenario
FIRE target
Target portfolio£780,000
Current portfolio£284,310
Monthly contribution£1,800
Withdrawal rate3.5%

Lay life events on the curve

The forecasting tool projects your net worth decades ahead — and then lets you drop life onto the curve. Buy a home, have a kid, take a career break, receive an inheritance, pay off the mortgage, retire: each event reshapes the projection, so you can see what a decision costs before you make it. Save several plans and compare the lives you're considering.

  • Life-event presets for retirement, lifestyle, career, windfalls and debt — plus fully custom events
  • Real (inflation-adjusted) or nominal view, over a horizon you choose
  • A "crash test": simulate a market crash at any age and severity, and see if the plan survives

Your data drives the math

Every tool starts from your actual accounts — current balances, contributions per account, your own growth assumptions. Change any input and the projection re-runs instantly. No spreadsheet rebuilds, no re-typing your net worth into a random online calculator.

  • Pulls live portfolio values from your tracked accounts
  • Per-account contributions and expected returns, investments split from other assets
  • Configurable withdrawal rate, target and timeline for the FIRE number

Scenarios, not predictions

Growth and FIRE projections run in conservative, moderate and aggressive scenarios side by side — the same plan under different return and contribution assumptions. Edit the plan itself — contribute £100 more a month, retire two years later — and all three curves reshape together. The spending-impact simulator turns a recurring saving into its long-term value.

  • Scenarios differ by return and contribution assumptions — compared on one chart
  • Life events and plan changes apply across all three scenarios
  • Spending-impact simulator: what a monthly cut is worth in twenty years
Related features

Every feature, explained.

See all features
Accounts & transactions

Accounts & transactions

Every account type, manual entry and CSV import — the foundation everything else is built on.

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Net worth tracking

Net worth tracking

All accounts, all currencies, one honest number.

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Spending & cash flow

Spending & cash flow

Where your money actually goes, broken down clearly.

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Budgeting & saving pots

Budgeting & saving pots

Needs, wants, pots and recurring payments — one plan.

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See where your money
is taking you.

Start building a complete picture of your financial life — where you stand today, and the future you're working toward. Free to start, set up in an afternoon.

Start for freeExplore the live demo
· No credit card required· Free tier, forever