Cash Inflow
Recurring
Salary credited
One-time
Total cash inflow0
Amount invested
Bank Accounts
Liquid Asset for FIRETotal bank balance0
Portfolios
Liquid Asset for FIRETotal portfolio0
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Your Monthly Report
Latest completed month appears first, with earlier months extending to the right.
Implied spending starts on the third completed month. The first completed month is a snapshot. The first two completed months are gated and do not set the FIRE number.
0Net Worth
Net Worth Progression
in thousands
Yearly Overview
Your FIRE Progress
Current Position
0%100%
Years to FIRE
This chart is years if you stop adding money.
Down is good. A drop faster than one month per month means you outran 10% sit-and-wait.
The other clock (keep investing) is in the headline, not this line.
Down is good. A drop faster than one month per month means you outran 10% sit-and-wait.
The other clock (keep investing) is in the headline, not this line.
Assets vs FIRE Number
in thousands
Monthly FIRE Progress
Current FIRE Number
FIRE Settings
Spending buffer, %
Spending & investing average, months
Withdrawal rate4.0%
Projected annual return10.0%
Fixed model assumptions
Definitions & Methodology
Liquid Assets for FIRE
The bank accounts and portfolios marked as Liquid Asset for FIRE.
FIRE Number
25× buffered annual spending, based on a fixed 4% withdrawal rate.
Implied Spending
Opening cash + salary + recurring and one-time inflows − Amount Invested − closing cash. Never below 0. The first completed month is a snapshot. The first two completed months are gated on reports and do not set the FIRE number.
A $0 implied month
Usually means cash became investments (for example a bonus invested the next month). The report still shows 0. That month is skipped when averaging spend for the FIRE number, so a lump invest cannot print “Reached FIRE.”
Spending & investing average
One setting, N months. FIRE number uses the last N positive implied-spend months. Keep-investing uses the last N Amount Invested months after month 1, and $0 invest months count as 0.
Years to FIRE: Stop Adding
How long today's Liquid Assets for FIRE would take to reach today's FIRE Number at 10%, with no further contributions. This is the official clock and the Years to FIRE chart.
Years to FIRE: Keep Investing
Same FIRE number, plus the recent average Amount Invested every year. Shown in the headline only.
10% Sit-and-Wait Path
The benchmark for monthly progress: previous FIRE assets compound at 10%, with no new contributions and the previous FIRE Number unchanged.
Outran / Kept Pace / Trailed
Compares the current do-nothing clock with the 10% sit-and-wait path.
4% withdrawal rate / mo
Liquid Assets for FIRE × 4% ÷ 12. Shown next to average implied spend so you can see how much of today's lifestyle the pile already covers. The progress bar is assets ÷ FIRE number. It does not change Years to FIRE.
This is a tracker, not advice.
Napkin FIRE estimates implied spending and years to FIRE from the numbers you type. It is not financial, tax or investment advice.