Why Track Your FIRE Progress?
Financial independence isn't a single moment—it's a gradual shift in your relationship with money. Tracking your net worth over time transforms abstract goals into measurable progress. Each check-in reinforces the habits that build wealth.
Portfolio Buckets
Organize accounts by type: retirement, taxable, savings, real estate. Each bucket tracks balance, contributions, and expected growth separately.
Milestone Markers
Visual checkpoints at 25%, 50%, 75%, and 90%. Watch badges light up as you cross each threshold toward your FIRE number.
Projection Chart
See how your current trajectory projects forward. The chart combines your buckets' growth rates and contributions to estimate your FIRE date.
Export & Import
Download your history as CSV for spreadsheets or backup. Import previous check-ins to continue tracking without losing data.
The Psychology of Milestones
Each milestone marks a psychological shift in your financial journey:
You've built real momentum. Compound growth starts becoming visible. The hardest part—starting—is behind you.
Your investments now earn as much as you contribute. The portfolio starts pulling its weight alongside your income.
Even without new contributions, compound growth could carry you to FI eventually. You have options.
One market surge could cross the finish line. The destination is clearly visible. Time to plan what comes next.
How It Works
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Add your accounts
Create buckets for each account type. Set the current balance, monthly contribution, and expected growth rate.
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Set your FIRE target
Enter your goal amount based on annual expenses × 25 (the 4% rule). Use our FIRE Number Calculator if you're unsure.
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Log regular check-ins
Update balances monthly or quarterly. The tracker calculates total progress, updates projections, and records your history.
Frequently Asked Questions
Yes. All data is stored locally in your browser using localStorage. Nothing is sent to any server. Your financial information never leaves your device. You can export your data as CSV for backup or clear it entirely through your browser settings.
Monthly check-ins work well for most people—frequent enough to maintain awareness without becoming obsessive. Quarterly updates are fine if you prefer less maintenance. The key is consistency: pick a schedule and stick to it.
For stock-heavy portfolios, 7% is a reasonable long-term estimate (accounting for inflation). Use lower rates (3-4%) for bonds or savings accounts, higher rates (8-10%) if you're comfortable with more aggressive assumptions. Conservative estimates help avoid disappointment.
It depends on your FIRE strategy. If you plan to downsize or tap home equity in retirement, include it. If you'll live in your home indefinitely, consider tracking it separately since it won't generate income. Many people track "investable assets" and "total net worth" as separate numbers.
Market downturns are normal and expected. Log the accurate balance—tracking through volatility shows your true progress over time. A down check-in followed by continued contributions often marks the best buying opportunities in hindsight.