MoneyOnFIRE
We’re Scott and Sunny—two long-time personal finance nerds. When we met 6 years ago we compared our personal finance spreadsheets. Ours were packed with macros, scenarios, and tax modeling—but even then, found they were not complete. Planning for financial independence is hard, and the cost of mistakes is high. So we built the tool we always wanted: MoneyOnFIRE. MOF calculates a personalized, tax-aware roadmap to financial independence—across account types, life goals, and withdrawal strategies. It shows you not just if you can achieve financial indepdendence, but how, when, and what to…
MoneyOnFIRE launched on April 25, 2025 with 21 votes, #922 of 7,818 launches that month and more than 90% of that year's launches. The site was still online in September 2026, 1 year on.
In plain words
MoneyOnFIRE is a financial planning tool built by personal finance experts that calculates personalized roadmaps to financial independence. It accounts for different account types, life goals, and withdrawal strategies while factoring in taxes. The tool shows users not only whether they can achieve financial independence, but also how and when, plus specific adjustments to accelerate their timeline. It's designed for people serious about planning for financial independence who want detailed, tax-aware guidance beyond basic spreadsheet calculations.
written from the facts on this page · September 2026
From the sources
Get a clear, personalized roadmap to financial independence — know exactly how much you need, when you can get there, and the fastest path. No guesswork. Just confidence and control over your financial future.
FIRE calculator that optimizes across taxes, RSUs, college, and debts. Private net worth tracker with no bank linking required. Plan your complete path to financial independence.
Get your personal FI date, a month-by-month path to get there, and a private net worth tracker to watch your progress — without ever linking a bank account . RSUs vesting, 401(k) mega backdoors, Roth conversions, investment properties, 529s for the kids — early retirement planning means optimizing all of this while doing your actual job. You want a FIRE calculator that handles it, not another spreadsheet. Your DIY spreadsheet was a great start, but a real retirement calculator needs to model tax brackets, account contribution limits, and how your RSU vest schedule interacts with your other income. Static spreadsheets quickly become outdated and unreliable. Without the right strategy, you…from moneyonfire.com
In the maker’s words, at launch
We’re Scott and Sunny—two long-time personal finance nerds. When we met 6 years ago we compared our personal finance spreadsheets. Ours were packed with macros, scenarios, and tax modeling—but even then, found they were not complete. Planning for financial independence is hard, and the cost of mistakes is high. So we…
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Source: Show HN post ↗ · launch text quoted in part
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