FIREReality

FIREReality is a mobile + web AI-assisted retirement simulator that tells you if “retire early” is actually feasible, and what breaks it. Users connect accounts (or enter numbers manually) and set a target retirement date, spending, and location. The app runs Monte Carlo simulations plus scenario shocks: layoffs, market crashes, healthcare spikes, divorce, kids, eldercare, and inflation regimes. It flags the top 3 failure drivers and gives concrete levers: spending caps, CoastFIRE timelines, part-time income targets, tax-optimized drawdown order, and insurance/healthcare budget ranges. It’s brutally honest: if you’re not close, it says so and shows the gap in years and dollars. It also produces a one-page “FIRE Operating Plan” you can review monthly, with alerts when your plan drifts off track.