I find the life event modeling particularly useful. You can specify events like buying a car or changing retirement spend. The option to re-fill cash from a specific portfolio is smart, ensuring contributions do not drain silently across all accounts. It also clearly separates real estate equity from liquid capital, which helps in planning for a property purchase. The tax-aware withdrawal priority is also a nice touch.
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4 Reviews
The platform handles multiple accounts and real estate well. However, it does not estimate brackets, capital-gains basis, Social Security, or RMDs. Taxation is applied as a simple haircut to traditional accounts only.
FI-Track offers a robust platform for modeling financial independence, particularly for those managing multiple investment vehicles. The interface allows users to integrate various account types, including 401(k)s, Roth IRAs, taxable brokerages, and HSAs, into a single cohesive projection. One standout feature is the ability to model real estate holdings, noting that equity contributes to net worth but not necessarily to immediate FIRE capital. The cash flow from rental properties is handled separately, providing a clear distinction between liquid capital and illiquid assets. Additionally, the tool supports detailed life event modeling, enabling users to account for windfalls, expenses, or changes in spending levels at specific ages. The automatic application of inflation and the ability to adjust contribution growth rates add layers of realism to the projections. It is a solid choice for individuals seeking a thorough, self-hosted solution for long-term financial planning without relying on external servers.
The automatic updates when changing assumptions are fantastic. I really appreciate that my data stays on my device.
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About FI-Track
FI-Track provides a free FIRE (Financial Independence, Retire Early) calculator and financial independence planning tool that runs in a web browser. The tool lets users model different retirement scenarios such as Coast FIRE, Barista FIRE, and full financial independence by adjusting assumptions for age, retirement date, target annual spending, and inflation. Users can input multiple investment portfolios with details including account type, balance, contributions, asset allocation, expected returns, and fees, as well as cash holdings and real estate properties with associated cash flow and equity. The planner also supports modeling life events and opportunity costs, and it indicates that user data is stored only on the local device.
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- fi-track.com
