01 — BUDGETS
See where every dollar goes.
Give any category a monthly budget and FIYR checks every transaction against it as it lands — so you always know what's left, what you've overspent, and exactly where the money went.
LIVE DEMO · NO SIGNUP · NOTHING STORED
See your money.
Free your time.
Connect your accounts and FIYR tracks everything — spending, budgets, and net worth — then turns that real data into a retirement date you can drag, test, and beat.
NO DATA SELLING · NO ADS · NO HIDDEN FEES
FIYRLIVE — demo dataDecember 2025
$2,150
Safe to Spend
$15,900 balance − $13,750 goals
$3,915
December Spending
▾ 16% less than last month
THE ONLY NUMBER THAT MATTERS
When can you retire?
LEARN
What is FIRE?
Financial Independence, Retire Early
FIRE means having enough invested assets to cover your living expenses forever — true freedom from the dependency on earning money to survive. While most people work 40+ years to retire, FIRE followers achieve financial independence in 10-20 years by optimizing their savings rate and investment strategy.
The math is simple: save roughly 25x your annual expenses, and you can withdraw about 4% per year while your investments continue generating enough to sustain your lifestyle indefinitely. By focusing on intentional spending, smart investing, and growing your income, you can achieve high savings rates while still living a fulfilling life.
FIRE isn't just for high earners — teachers, nurses, and mechanics have achieved it, and so can you. Your savings rate matters more than your salary. Financial independence means working because you want to, not because you have to. Design your own life: pursue passion projects, start a business, or simply have the freedom to choose.
FIRE NUMBER25x your annual expenses
4% RULE What you can safely withdraw each year
SAVINGS RATE Matters more than your salary
CONNECT · TRACK · PROJECT
How it works
FIYR is a daily budgeting and net-worth tracker that goes a step further: link your accounts once, and the same real data that tracks today's spending projects the date you reach financial independence.
- 01ConnectSecurely link your banks, cards, and investment accounts.
- 02TrackEvery transaction, budget, and net-worth change in one place — every day.
- 03ProjectThat real data compounds into your FIRE date — drag it, test it, beat it.
02 — RECURRING
Every recurring charge, caught.
FIYR automatically detects your subscriptions and fixed monthly bills — the forgotten free trial, the quiet price hike, the renewal you meant to cancel. See what's already hit this month, what's still coming, and what it all adds up to.
MONTHLY RECURRING
$162.40/mo
$1,948.80/yr
$162.40 charged$0.00 upcoming
UPCOMING
- 💪GymOct 1$45.00
- 🤖ChatGPT PlusOct 4$20.00
- 📰NYTOct 7$17.00
03 — NET WORTH
Track everything you own and owe.
Add any asset or liability you want — bank and brokerage accounts, a home, a car, crypto, loans — and FIYR charts your net worth, assets, and liabilities as they move, month over month.
EVERY TRANSACTION, CATEGORIZED
Every dollar, accounted for.
Seventeen of December's transactions, exactly as the app renders them — grouped by day, categorized on arrival, deposits in green.
LIVE — demo dataDecember 2025
| Labels | Goal | Account | ||||||
|---|---|---|---|---|---|---|---|---|
| Dec 24, 2025 $91.02 | ||||||||
Select goal | ☕Coffee & Tea▲ | |||||||
Select goal | 🍎Groceries▲ | |||||||
| Dec 23, 2025 $65.00 | ||||||||
Select goal | ⛽Gas▲ | |||||||
work | Select goal | 🍔Eating Out▲ | $2.40 tip | |||||
| Dec 21, 2025 $7.50 | ||||||||
Select goal | ☕Coffee & Tea▲ | $1.00 tip | ||||||
| Dec 19, 2025 $15.49 | ||||||||
| ↻ | Select goal | 📺Streaming Services▲ | ||||||
| Dec 18, 2025 $280.00 | ||||||||
Japan Trip | 🗾Japan trip | 🏨Hotels & Lodging▲ | ||||||
| Dec 17, 2025 $550.00 | ||||||||
Japan Trip | 🗾Japan trip | ✈️Flights▲ | ||||||
| ↻ | Select goal | 💰Payroll Income▲ | ||||||
| Dec 15, 2025 $120.90 | ||||||||
Select goal | 🏥Medical▲ | |||||||
| ↻ | Select goal | 💡Electric▲ | ||||||
| Dec 14, 2025 $78.90 | ||||||||
date night | Select goal | 🍔Eating Out▲ | $13.15 tip | |||||
| Dec 12, 2025 $130.00 | ||||||||
| ↻ | Select goal | 📄Insurance▲ | ||||||
| Dec 8, 2025 $11.99 | ||||||||
| ↻ | Select goal | 📺Streaming Services▲ | ||||||
| Dec 5, 2025 $420.00 | ||||||||
| ↻ | Select goal | 🚗Auto Payment▲ | ||||||
| Dec 3, 2025 $0.00 | ||||||||
| ↻ | Select goal | 💰Payroll Income▲ | ||||||
| Dec 1, 2025 $1,850.00 | ||||||||
| ↻ | Select goal | 🏘️Rent▲ | ||||||
EVERY DOLLAR HAS A JOB
Turn dreams into deadlines.
Four goals funded from one balance — and a single number that says what's actually safe to spend today.
LIVE — demo dataDEC 25, 2025
☂️Emergency fund$7.8K / $10K78%
🗾Japan trip$3K / $6K49%
💻New MacBook$2.4K / $2.5K94%
🏡House down payment$1.2K / $48K3%
Apr ’25
Jul
Oct
Jan ’26
Apr
Jul
Oct
TODAYSEE AROUND CORNERS
Your balance, fast-forwarded.
Know your balance next month, not just today.
LIVE — demo dataOCT 2025 → JUL 2026
Cash Balance
$15,900
climbing ~$1,200/mo
30-Day Projection
$17,298
by Jan 24
Daily Burn Rate ⓘ
$150/day
$85 fixed·$65 variable
History
Projected
Safe to spend
incl. ~$54/day → goals
ON AUTOPILOT · MONTHLY🏠 Rent $1,850🚗 Car payment $420📺 Subscriptions ×9 $162.40🛡️ Car insurance $130📈 Auto-invest $600🎯 Goals ~$54/day
The balance climbs ~$1,200/mo, yet goals keep auto-saving: safe to spend crosses $0 on Mar 13 — flagged 3 months ahead.
LABELS
Label anything. See where it really went.
A vacation isn't one category — it's flights, hotels, food, and a rental car, on three different cards. Tag it once and FIYR traces every dollar from the label down to the merchant.
LIVE — demo data🏷️ Maui Trip
Tag anything
Drop a label on any transaction — across categories, across accounts. By hand, or automatically with a rule.
It rolls up
Every tagged purchase flows into one view: the label's total, broken down by category, then by the merchants you actually paid.
See the real cost
The honest, all-in number for a trip or a project — not six scattered line items you'd never add up yourself.
🌴 Vacation💼 Work🧾 Reimbursable💍 Wedding🏠 Renovation🎁 Gifts
Anything that doesn't fit a single category gets its own honest total.
ASK, DON'T DIG
Ask your money anything.
Plain-English answers from your real numbers.
FIYR AI
PICK A QUESTION ABOVE
LIVE — demo data
Savings rate → retirement year
15% savings rate$945/mo saved
Projected retirement year
Every dollar you don't spend moves the date.
Keep scrolling
Why FIYR
Built for people who take
their finances seriously
Smart Analytics
Powerful reports and visualizations that help you understand your spending patterns and make better decisions.
Bank Sync
Connect your accounts securely through Plaid. Transactions import automatically so you never miss a beat.
Goal Tracking
Set financial goals, allocate funds, and watch your progress. We calculate exactly how much to save daily.
Works Everywhere
Access your finances from any device. Your data syncs seamlessly across desktop, tablet, and mobile.
CSV Import/Export
Full control over your data. Import from any source or export anytime—your data belongs to you.
Smart Rules
Automate your workflow with transaction rules. Set it once and let transactions auto-categorize and label themselves.
Custom Categories
Create custom categories tailored to your needs. Set up categories for personal expenses, business costs, or anything in between.
Flexible Budgets
Create custom budgets for each month. Allocate more to gifts in December, travel in summer—adapt your budget to match your life.
Net Worth Tracking
Track your complete financial picture. Add any asset or liability—real estate, investments, loans, or even your vintage sneaker collection.
RETIRE ANYWHERE
Your number travels.
Your FIRE number is set by your cost of living — so where you live decides when you hit it. A cheaper city or country can pull your retirement date years earlier. Tap any city to open it in the explorer and see how your number — and your date — change there.
Retire at 53 here · 45 in Chiang Mai
Illustrative cost-of-living model — every assumption editable in-app.
The FIYR Mission
Financial independence
isn't about money.
It's about time.
Everyone should be free to dream again — to do what they're passionate about, whether it brings in money or not. — The FIYR mission
There was a time when financial security felt achievable: save diligently, manage your expenses, plan ahead. The landscape has changed. Society encourages spending over saving, financial literacy is alarmingly low, and many institutions profit from our debt — not our success.
FIRE — Financial Independence, Retire Early — is the counter-move. Save aggressively. Invest in low-cost index funds. Cut what adds no value, and build income that doesn't need you at a desk. Not deprivation — a buy-back of your hours.
Whether you want to start a creative agency, pursue music, travel the world, or simply stop worrying about bills, the path is the same: know your numbers, and follow a realistic timeline to independence. That's what FIYR is for.
The state of our money
01
3.2%
The U.S. personal savings rate in 2024 — down from 32% during the pandemic.
02
$1.05T
Credit card debt — an all-time high.
03
9 in 10
Americans aren't living their definition of financial freedom.
It's time to take control.It's time to dream again.It's time to ignite your path.
SECURITY
You're the customer, not the product.
Read-only by design
FIYR connects through Plaid — the same rails as Venmo and American Express. We can see transactions; we can never move money, and we never see your bank credentials.
256-Bit Encryption
AES-256 at rest, TLS in transit, on Google Cloud infrastructure.
No data selling
No ads
No hidden fees
Your data pays for nothing. A subscription does.
Delete everything, any time
One tap erases your accounts, transactions, and history. Gone means gone.
🔐 AES-256 Encryption☁️ Google Cloud🏦 Plaid Secured
PRICING
One plan. Everything included.
30 days free · no card · cancel anytime
$6.40/ MonthSaving 20%
Billed as $76.80/year
Start free trial- ✓Link unlimited accounts for a complete financial picture
- ✓Calculate your FIRE date with customizable scenarios
- ✓Create smart budgets that adapt to your spending patterns
- ✓Track net worth with support for all asset types
- ✓Manage recurring expenses and subscriptions
- ✓Visualize your money flow with Sankey charts
You may be closer than you think
With $85,000 saved at 32, you're 59% of the way to Coast-FIRE — the point where 7% growth alone carries you to $1,350,000 by 65, even if you never saved another dollar.
59%
Frequently Asked Questions
Everything you need to know about managing your money with FIYR
Ready to take control?
You've just used FIYR for five minutes. Now make it yours.
No data selling · No ads · No hidden fees