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…
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
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 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 tweak to get there faster. We’re still early and improving fast—would love your feedback!
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