FIRELedger

FIRELedger is a web + mobile app that turns your path to financial independence into a simple operating system: income, savings rate, burn rate, taxes, and “runway” are tracked in one place. Instead of generic retirement calculators, it focuses on the messy reality: irregular income, one-time expenses, healthcare premiums, and sequence-of-returns risk. Users connect accounts, categorize spending with minimal rules, and set a target lifestyle budget (not a vague number). The app then produces a monthly “FIRE status” report: current burn, safe withdrawal range, required cash buffer, and the next best action (cut X, earn Y, rebalance Z). It also supports scenario planning (moving cities, having a kid, sabbatical, part-time work) with clear tradeoffs. It’s brutally honest: if you’re not on track, it says so and shows exactly why.