Estimated Net Worth
Annual Income
Annual Spend Rate
FIRE Progress
Alerts & Notifications

Enable browser notifications to receive FIRE milestone and CD maturity alerts.
0%

Retirement Growth Path

Top Investment Positions

Symbol Description Quantity Last Price Cost Basis Current Value Total PnL Details
No investments imported yet. Upload a Fidelity CSV statement in the Accounts tab.

Asset Allocation

Cash & Fixed Income

No cash or CDs recorded yet.

Other Assets

No other assets recorded yet.

Net Worth History

Net Monthly Cash Flow

$0
Enter income & expenses to see your monthly net
Income
Expenses
Savings Rate 0%
Annual Surplus / Deficit $0

Income Sources

Salary / W2 (monthly) $0
Side Hustle (YTD avg) $0
Savings Interest (monthly) $0
CD Interest (monthly) $0
Crypto Staking (monthly) $0
Total Monthly Income $0

Monthly Expenses

Housing$0
Utilities$0
Food & Groceries$0
Transportation$0
Healthcare$0
Discretionary$0
Car Insurance$0
Home / Renters Insurance$0
Total Monthly Expenses $0

📁 Import CSV (local only)

Drop Fidelity, Chase, Capital One CSV files — read-only, never leaves your browser.

Drop CSV — Fidelity, Chase, Capital One  ·  read-only, local
File Source Records Actions
No files imported yet.

Crypto Wallets

Track balances across chains. Only the last 8 characters of an address are ever shown here.

Loading wallets…

Total Tracked Value $0

Holdings

CDs: $0.00 principal · $0.00 annual · 0.00% yield
Name Category Value / Principal Rate / APY Maturity Actions
No accounts or CDs added yet.

Properties

$0.00 value · $0.00 equity · $0.00 mortgage · $0.00 gain
Name Type Address Market Value Equity Purchase Price Gain / Loss Actions
No properties added yet.

Vehicles

$0.00 value · $0.00 equity · $0.00 loan · $0.00 depreciation
Vehicle Condition Mileage Current Value Equity Loan Balance Purchase Price Depreciation Actions
No vehicles added yet.

CD Ladder

green = active · yellow = maturing soon · red = matured

Basic Budget & Expenses

These values establish your baseline for annual expenditure, which directly dictates your FIRE number.

Insurance

Enter the amount you pay and how often — we'll normalize to a monthly cost.

Tax Estimator & Summary

Enter your gross income and filing state — we'll estimate your effective tax rate and annual FIRE need.

20%
Base Monthly Expenses $3,100.00
Estimated Annual Spending $37,200.00
Effective Annual Tax Drag $9,300.00
Adjusted Annual FIRE Need $46,500.00

Spending Upload

Upload a Chase, Capital One, or generic (Date/Description/Amount) spending CSV — each transaction is auto-categorized and lands in the table below, fully editable.

Drag & drop a spending CSV, or click to browse

Date Merchant Amount Category
No transactions uploaded yet.

Category Mapping

Customize which category a merchant keyword maps to — checked before the built-in categorization on every future upload.

Portfolio Rebalancing

Set target allocations per asset class. We'll compare against your current holdings and suggest trades.

Asset Class Current Value Current % Target % Difference Action
Click Recalculate to see rebalancing suggestions.

Tax-Loss Harvesting Alerts

Positions with unrealized losses that may be eligible for tax-loss harvesting before year-end. Selling locks in the loss, which offsets capital gains or reduces ordinary income (up to $3,000/yr). Not financial advice — consult a tax professional.

Symbol Description Current Value Cost Basis Unrealized Loss Est. Tax Savings Alert
Import positions to see harvesting opportunities.

Platform Fee Calculator

Estimate your exact margins before listing. Switch platforms to compare fee structures.

Gross Revenue $100.00
Est. eBay Fees $15.55
Net Sales Profit $45.95
ROI Margin (%) 153.2%

Connect your eBay account from the eBay Sales Sync card in the Side Hustle Hub.

Rates: $0.20 listing · 6.5% transaction · 3%+$0.25 payment processing
Gross Revenue$40.00
Est. Etsy Fees$0.00
Net Profit$0.00
ROI Margin0%
Local pickup — no selling fee
Gross Revenue$50.00
FB Selling Fee$0.00
Net Profit$0.00
ROI Margin0%
Rates: 10% selling fee on item price + buyer-paid shipping. Mercari has moved its payment processing fee between buyer and seller over the years — tick the box if your sales still show one.
Gross Revenue$40.00
Est. Mercari Fees$0.00
Net Profit$0.00
ROI Margin0%
Rates: $2.95 flat under $15, 20% at $15 and up. The buyer pays the shipping label.
Gross Revenue$30.00
Poshmark Fee$0.00
Net Profit$0.00
ROI Margin0%

Side Hustle Accelerators

Ideas with guides and videos to get moving. They rotate on their own — dismiss the ones that aren't for you.

eBay Sales Sync

Connect eBay once and pull completed orders straight into this ledger.

Seller API
Status: Disconnected

Your eBay connection is kept separate from your financial database. Orders are deduplicated before import.

Etsy Sales Sync

Connect your Etsy shop (read-only) and pull paid orders into this ledger. Fees are estimated from Etsy's fee schedule; tag each sale yourself.

Open API v3
Status: Disconnected

Read-only access (receipts and shop). Orders are deduplicated by Etsy receipt ID; disconnecting keeps the sales already synced.

Side Gig Ledger (Manual Sales / Income History)

FB CSV template

Hustle Name / Item Category Tax Tag Gross Revenue Fees/Expenses Item Cost Net Return Action
No manual side hustle income logged yet. Use the eBay calculator or add below.

Growth Settings

Growth Scenario

Milestone Focus

?

Retirement Growth Path

Real-terms net worth expansion showing target FIRE milestones.

Apply scenario:

Milestone Predictions

Coast FIRE  ·  Lean / Fat FIRE

Scenario Comparison

How different market and savings conditions shift your FIRE date.

Projection Defaults

Default values used when opening the Projections tab.

Notifications & Alerts

Configure browser notifications for FIRE milestones, CD maturities, and market alerts.

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Plaid Transaction Sync

Link your accounts via Plaid, then automatically pull bank/card transactions and auto-categorize them into your Expenses tab, using the same categories as CSV imports. While active, manual Fidelity CSV import is disabled to prevent duplicate expenses.

🔗 Plaid Investments

Sandbox

Connect brokerage accounts to auto-import holdings and balances.

Status: Not Linked

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CoinTracker Wallets

Optional. Connect CoinTracker to pull your wallets and exchange accounts with their current USD balances, so you don't have to enter every wallet and chain by hand. Access is read-only (balances only; fire never reads P&L, cost basis or tax data, and never asks for keys). CoinTracker becomes the source of truth: a manual crypto account with the same address is replaced while connected and restored if you disconnect.

🪙 CoinTracker

Read-only

Not connected

Marketplace Connections

Etsy syncs through its Open API (read-only). Mercari, Poshmark and FB Marketplace have no public seller API: upload their sales exports from the Side Gig Ledger instead.

🧶 Etsy

Read-only

Status: Disconnected

Privacy & Terms

Review how your data is handled and the terms of service.

Data Storage: All financial data is stored locally in your browser (IndexedDB). No data is sent to external servers except for:

  • eBay API sync (if enabled) - sends only order data to your own eBay account
  • Plaid Link (if enabled) - tokens exchanged with Plaid for account aggregation
  • CoinTracker (if connected) - read-only wallet balances fetched from CoinTracker; the access token stays encrypted in your browser
  • Price quotes - public ticker symbols to Yahoo Finance

No Tracking: No analytics, no tracking cookies (a short-lived OAuth cookie is set only while connecting CoinTracker), no third-party scripts. Your data never leaves your device unless you explicitly use an API integration.

Data Management

Export your complete financial profile or import from backup.

Exports include all accounts, CDs, real estate, vehicles, side gig ledger, and projection settings.

Google Drive Backup

Store an AES-256-GCM encrypted snapshot of your full profile in a private "fire-tracker-backups" folder in your own Google Drive.

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⚠️ Danger Zone

Irreversible actions. Use with caution.

Resetting all data cannot be undone. Consider exporting first.