UntilFireA plan for freedom, for FIRE, for your time back.
UntilFire turns your income, spending and savings into the year work becomes optional — and the moves that bring it closer.
Work could become optional.
Small changes can move your freedom date.
Example assumptions
Age 30 · $0 already invested · $36,000 annual retirement spending · 6.9% real annual growth (the S&P 500 since 1928) · 25× spending target ($900,000). Contributions modeled annually. Everything is in today’s dollars. Estimates are illustrative, not guaranteed. Your own income and expenses are collected in the calculator.
Three steps between you and your date.
See your freedom date
Enter a few numbers. Get the date when work becomes optional.
Understand what moves it
See which changes shorten your timeline the most.
Take your first step
Get one clear action you can act on today.
The decade nobody warns you about.
Ten years in, a $500-a-month habit is worth about $86,500. It does not feel like financial independence. It feels like a savings account with extra steps.
That is not failure — that is the shape of the thing. Left alone, the same habit produces $702,000 in its fourth decade alone.
Starting early beats saving more.
Someone who invests for ten years and then never adds another dollar still finishes ahead of someone who starts a decade later and keeps paying in for thirty.
$5,000 a year for ten years, then never adds another dollar.
$5,000 a year, every year, for thirty-one years.
The early starter put in $105,000 less and still finished $55,980 ahead.
You do not need a large number to start.
A habit beats a windfall, because a habit gets multiplied every month it runs.
Over 40 years at a 7% average annual return after inflation. The multiple is the same on every row because the multiplier is time, not the size of the cheque.
Your second life comes with a world.
Start free. Stay for the plan.
- Freedom date calculation
- One clear next move
- Decision sliders
- Shareable result card
- Everything in Free
- Ranked next moves by time saved
- Action plan from your spending
- Unlimited bank & brokerage sync
- Progress tracking & reports
Seeing the date change when I adjusted my savings — that was the moment it clicked.
Good questions.
What is a freedom date?
The date when work can become optional based on your current income, spending, and savings. It's a starting line you can move closer with better choices.
How is this different from a calculator?
Most calculators stop at a number. UntilFire starts there and turns it into a plan: what matters, what to change next, and how to move forward.
Do I need an account?
No. You can see your freedom date and first move without creating an account. Create one when you want to save your plan and track progress.
Can I take my data with me?
Yes. From Profile you can export your transactions as a spreadsheet, or everything as one file, any time and free, whether or not you're on Pro. You can delete your account and data there too.
Is this financial advice?
No. UntilFire is planning software that helps you understand scenarios and tradeoffs. It does not replace a licensed financial adviser.
You are somewhere
on that curve.
Sixty seconds to find out where — free, no login.