Your wealth - modeled,
not guessed.
See your next 5 years. Simulate major moves. Know your FIRE date.
PathToFIRE is a private, offline-first wealth planning system that brings your accounts, properties, investments, and expenses into one forecast - without sending your financial life to someone else's server.
Runs locally. Works offline. No bank logins. No cloud storage of your finances.
Most tools track the past.
PathToFIRE models the future.
When your finances include property timelines, investments, irregular expenses, and life events, spreadsheets get fragile fast.
FIRE Timeline
Based on your current trajectory
PathToFIRE gives you a single system that answers the questions that actually matter:
Am I on track for FIRE - and when?
What happens if I rent vs sell at handover?
What does my cashflow look like across the next 60 months?
How do stocks, properties, and spending interact - in one model?
Built for real planning.
Everything you need to model your financial future with confidence and clarity.
A 5-year cashflow engine
A monthly cashflow view for the next 60 months, based on your real assets, income, and expenses - not wishful thinking.
Scenario simulation that feels instant
Model decisions on a timeline - sell or rent properties, adjust savings, simulate income changes - and watch your FIRE date move in real time.
Privacy-first by design
Your data stays on your device (IndexedDB). Always. Optional backup: periodic JSON sync to your own Google Drive.
Your financial future,
drag and visualize.
See your entire FIRE journey on one beautiful timeline. Drag retirement events, watch net worth projections update in real-time, and explore “what-if” scenarios instantly.
Interactive FIRE Timeline
Drag events to simulate different scenarios
A command center for real wealth.
Net Worth across cash, investments, properties, and stocks. Cashflow projected month-by-month for 5 years. FIRE as a living timeline, not a motivational quote.
Total Net Worth
Stocks as a portfolio - not a list.
Track your holdings with real-time pricing and a clean portfolio view that actually reflects position-level reality.
- Live price updates
- Position sizing and performance
- Portfolio composition at a glance
- Built into your broader cashflow plan
Portfolio Overview
Property Portfolio
Property investing, modeled properly.
Property decisions aren't "expenses." They're timelines with outcomes.
Track and simulate:
- property investments and ownership details
- income from rent
- handover milestones
- "rent vs sell" at handover
- planned sale events and timing impact
Import transactions without giving away credentials.
PathToFIRE doesn't connect to banks. It doesn't need your logins.
Instead, import from statement files - clean, controlled, and private.
Statement-based import
CSV/PDF formats you download
Smart rules
Categorize and keep imports consistent
Review before saving
Always in control
Supported imports:
More sources added regularly
Three steps to clarity.
Add your world
Accounts, assets, properties, investments, expenses - the parts that matter.
Import & organize
Bring in transactions using statement files. Create rules once. Stay clean.
Forecast & simulate
Get a 5-year cashflow view and time-to-FIRE - then stress test decisions with scenario events.
Build your plan
like it matters.
Forecast the next 5 years. Simulate the big moves. Reach FIRE with clarity.
Private. Offline-first. Built for real wealth.