FIREReality

FIREReality is a mobile + web app that stress-tests your “financial independence” plan against real-world messiness: taxes, healthcare, inflation regimes, sequence-of-returns risk, job loss, and lifestyle creep. Users connect accounts (or enter manually), set a target lifestyle, and the app runs scenario-based projections with clear probability bands instead of a single magical FI number. It flags the specific levers that matter most (savings rate, housing, withdrawal rate, asset allocation, side income) and shows the tradeoffs in plain language. It also includes a “reality checklist” for common FIRE blind spots: underestimating insurance, ignoring tax drag, overconfidence in 4% rules, and assuming constant market returns. This is not a budgeting app; it’s a decision tool for people who already save aggressively but want an honest answer on when they can quit, coast, or downshift without blowing up their plan.