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Commerce · March 9, 2026

Version 3: Advanced capabilities

The most advanced FIRE calculator just got a major upgrade

What it does

MoneyOnFIRE is a financial independence calculator that models your financial life month-by-month. Instead of simple projections or 4% rule calculators, it simulates income, taxes, accounts, contribution limits, and withdrawals to estimate the fastest realistic path to financial independence. The new version adds investment property modeling, support for multiple children, and interactive reports - all with no login required.

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    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…

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