UntilFire

UntilFire is a personal finance platform and suite of calculators built specifically for the FIRE (Financial Independence, Retire Early) community.Unlike traditional calculators that just give you a static final number, UntilFire focuses on helping you find your "Freedom Date"—the estimated year and month when working becomes entirely optional based on your income, spending habits, and current net worth.Core Philosophy: Beyond the Static NumberMost financial retirement tools give you a lump-sum target (your "FIRE number") and leave it at that. UntilFire aims to turn that destination into an actionable road map. It is structured around three main objectives:Discover the Date: An open framework allowing you to see your estimated freedom timeline in about 60 seconds without needing to create an account immediately.Isolate the Levers: It highlights which micro-adjustments to your current lifestyle—like boosting your 401(k) contribution, cutting a minor monthly expense, or adding a side hustle—shave the most time off your timeline.Continuous Tracking: It connects securely to financial institutions to act as a living plan that updates alongside real-world market shifts and career changes.The Feature BreakdownThe platform relies on the traditional math trusted by the FIRE movement—predominantly the 25x rule and the 4% safe withdrawal rate (SWR). It includes several specialized modules to address different milestones on the financial independence journey:Tool / CalculatorWhat It DoesPrimary Metric ProvidedPrimary FIRE CalculatorTakes your baseline income, current net worth, and annual spending to project your career end-date.Your precise Freedom Date & exact FIRE target number.Coast FIRE CalculatorDetermines if your current nest egg is large enough to grow on its own via compound interest to hit your ultimate retirement goal without any further contributions.The milestone amount needed to safely stop saving and downshift your career (e.g., transition to part-time or low-stress work).Savings Rate CalculatorCorrelates your current post-tax savings percentage directly to a mathematical retirement timeline.Visual proof of how ramping up your savings rate by even 5% alters your timeline.APY CalculatorConverts standard Annual Percentage Rates (APR) advertised by banks into the true Annual Percentage Yield (APY) based on compounding frequencies (daily, monthly, quarterly).Effective yield metrics to accurately compare high-yield savings accounts or money market funds.🔒 Privacy & Data Stance: The platform is designed around low-friction entry, allowing users to run complex baseline models anonymously. When linking bank or brokerage accounts for live tracking, it utilizes read-only, bank-level encryption protocols so your private financial data remains secure.