FIRE Path: FI Planner
Retire Early · FIRE Calculator
Free · Designed for iPad. Not verified for macOS.
FIRE Path is the most complete financial independence planner on iPhone. Enter your accounts, income, and spending, then watch your path to early retirement come into focus.
YOUR FI NUMBER, CALCULATED FROM YOUR REAL LIFE
Most FIRE calculators use guesswork. FIRE Path builds your projection from your actual salary, RSU vesting schedule, 401(k) contributions, Roth IRA, taxable accounts, home equity, and spending, then calculates exactly when you hit financial independence.
FOUR PATHS TO FREEDOM
Switch between Standard FIRE, Barista FIRE, Coast FIRE, and Lean FIRE with a tap. See how cutting your spending, picking up part-time work, or letting compound growth do the heavy lifting changes your timeline.
STRESS-TEST YOUR PLAN
- Monte Carlo simulation: Run 1,000+ market scenarios and see the probability your money lasts 30, 40, or 50 years
- Historical backtesting: Test your plan against every market cycle from 1871 to present. Would your strategy have survived the Great Depression? The dot-com crash? The 2008 crisis?
- Withdrawal strategy modeling: Compare the 4% rule, Guyton-Klinger guardrails, variable percentage withdrawal, and more
THE ADVANCED TOOLS SERIOUS PLANNERS NEED
- Roth conversion ladder planner: Optimize year-by-year conversions to fill tax bracket headroom before RMDs hit
- Social Security optimizer: Compare claiming at 62, 67, or 70 with spousal benefit coordination
- ACA healthcare subsidy modeling: Find the income level that maximizes your marketplace subsidy before Medicare kicks in
- Withdrawal order optimizer: Tax-efficient drawdown sequence across taxable, tax-deferred, and Roth accounts
- IRMAA planner: Avoid Medicare premium surcharges with income-aware retirement projections
- Mega backdoor Roth: Model after-tax 401(k) contributions and in-plan Roth conversions
- Phased spending: Set different spending levels for go-go years, slow-go years, and no-go years
TRACK EVERYTHING IN ONE PLACE
Net worth, asset allocation, savings rate, emergency fund coverage, debt payoff timelines, 529 college projections, RSU vesting with live stock prices, and home equity — all in one clean dashboard.
ON-DEVICE AI ASSISTANT
Ask your AI anything: "How much do I need to retire at 45?" "What happens if I take Social Security early?" "What's my ACA cliff?" It knows your full financial picture and answers with your actual numbers.
BUILT FOR PRIVACY
All data stays on your device and syncs privately via iCloud. No accounts to create. No data sold. Face ID protection available.
ALSO INCLUDES
- What-If scenario builder, model job changes, windfalls, early retirement dates
- Full federal + state tax engine (all 50 states)
- iOS Home Screen widgets
- Dark mode
Ratings & Reviews
- This app has not received enough ratings or reviews to display an overview.
Loan Payoff Planner: See exactly when you'll be debt-free. Track every loan's payoff timeline, total interest, and how extra payments accelerate the date.
Siri Shortcuts: Add an expense, update an account balance, or log your net worth without opening the app. Just ask Siri or set up an automation.
Check-In Reminders: Set a reminder cadence in Settings so your numbers stay current. FIRE Path will nudge you to check in.
The developer, Quinn Winter, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Provider
- Quinn Winter
- Size
- 4.5 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Quinn Winter LLC