Ember is a private, client-side FIRE planner that shows not just when you can retire — but what happens after. Plan for one person or a couple, with life events, taxes, guardrail spending and a year-by-year drawdown. Free to start. No sign-up.
Build your plan — free → Try the Coast FIRE calcThe depth of a power tool, the speed of a free calculator — and the free planner never sends your numbers anywhere.
Add a partner and Ember plans two working lives funding one household from one pooled portfolio — each with their own retirement age and life expectancy, plus an optional survivor pension. Free. The panel says on screen what this version does not model.
Read the retirement year by year — withdrawals, other income, growth, to depletion or life expectancy — with guardrail spending and an illustrative sequence stress test.
The free planner computes everything in your browser — nothing is uploaded. The optional account (beta) syncs your plan encrypted in transit and at rest.
Home, kids, a car, a career break, a windfall, other income — see each ripple through your plan.
Guyton-Klinger guardrails flex your spending with the market and can turn a risky plan into a robust one.
Six currencies, great on your phone, instant — no account, no wall between you and your answer.
Free covers the whole planner — life events, scenarios, portfolio, saved plans. Pro is $79/yr — well under the $129–144 incumbents.
Start free. Pro purchasing isn't open yet — these are the launch prices, published early for honesty. Join the waitlist below and I'll email you once when it opens.
no sign-up
or $9/mo · at launch
The calculator is free — all of it, including the simulation. Pro is for keeping a plan across devices over time.
Open the appPro isn't on sale yet. Leave your address and I'll email you once when it opens — the planner stays free either way.
Stored by Ember only — never sold, never passed to an email service.
Instant single-purpose calculators — no sign-up.
The arithmetic behind the tools, written out — with the assumptions stated.
Three numbers decide it: your savings rate, your FIRE number and your real return. Includes the Coast-FIRE check and what "on track" still doesn't protect you from.
A tracker needs five numbers a month. Copy the template, and get the honest answer on how often each column is worth updating.
Eight assumptions every tool makes on your behalf — smooth returns, flat spending, a fixed withdrawal rate — and what each one hides. Including Ember's own answers.
One invents thousands of futures from a distribution; the other replays sequences that really happened. What each method's success rate actually means.
One pot, two lifespans, and the survivor's pension nobody can give you a default for. There is no European rule, seven countries have none at all, and how long it is paid matters more than the rate.
How to check any tool yourself in about thirty seconds, what the answer means, and where Ember sits — with the claim you can verify rather than take on trust.
Every formula, assumption and limitation behind the planner — including what the illustrative market data can and cannot tell you.