UntilFire

What it does

UntilFire is a free FIRE calculator and personal finance planner that helps users find their financial independence date, understand what moves it, and take actionable steps. It securely connects to 14,000+ banks and brokerages.

Who it is for

UntilFire is designed for individuals pursuing financial independence and early retirement (FIRE), from beginners to those already on the path. It caters to anyone who wants to see their freedom date, understand how changes in savings, spending, or income affect their timeline, and get a clear next action.

Why it matters

Most FIRE calculators stop at a number. UntilFire goes further by turning that number into a personalized plan: it shows which changes shorten the timeline the most and provides one clear action to take today. The tool uses the 25× rule and 4% safe withdrawal math trusted by the FIRE community, and it offers a free tier with no account required, making financial planning accessible.

Launch signal

UntilFire is live with a free tier and a Pro subscription at $4.99/month (with a three-month free trial). The website features a countdown to a user's second birthday, a city cost-of-living comparison with FIRE status for a $1M portfolio, and multiple calculators (4% Rule, Coast FIRE, Savings Rate, Compound Interest, APY). It also has a learning hub and city-specific FIRE number guides.

Brand and naming

The name 'UntilFire' is clever and memorable, directly referencing the FIRE (Financial Independence, Retire Early) movement. It suggests a journey or countdown to financial freedom, which aligns perfectly with the tagline and website summary. The domain is likely available and easy to recall. Positioning is clear: a tool that calculates your 'freedom date' and shows how small changes compound, targeting the FIRE community with a focus on actionable planning.