Financial independence, computed
One honest date — from your numbers, on your iPhone, seen by no one else.
Coming soon to iPhone.
Sixty futures of one plan, drawn live in your browser.
01 · The app
When is work optional?
Today
Your date, live
Your date, its coverage, and what today’s market did to it.
Plan
The engine room
Nine researched income strategies, the tax of 25 countries — one date.
Portfolio
Everything you own and owe
Everything you own and owe — each line with a verdict on your date.
Simulate
Parallel futures
Compose any scenario, run 5,000 futures — read the answer in months.
Research
Any ticker, against your plan
Any ticker, answered in the only unit that matters — months to your date.
Every scene: the example plan, re-solved live in your browser.
02 · The engine
Withdrawal tax moves the target by six figures.
Sell $10,000 of an equity ETF in the United States
Beyond the 25. An AI assistant reads any other country’s tax rules into your plan.
Most tools multiply spending by twenty-five. Firn solves the actual equation — monthly, with the taxes you’ll really pay.
Term c, drawn once
Sell $10,000 of an equity ETF in the United States
03 · The balance sheet
Property, mortgages, loans, dividends — each with its own verdict on your date.
Where the rent goes
Financial independence
Independence
Plan
Your plan, weighed against the scenario — every chart from your inputs.
Proof you can hold. One tap renders the plan as a typeset PDF — sixteen chapters, ready for a partner or an adviser.
04 · The vault
No accounts, no sign-up, no server holding your money data — we couldn’t see your numbers if we wanted to.
Every amount, redacted on-device before a crash report leaves your phone.
05 · The price
forever
or $49.99 / year
7-day trial on yearly · auto-renews · cancel anytime in Settings
Soon, on iPhone — leave your email and you’ll hear the day it’s live.
On your iPhone, with optional backup to your own iCloud. No accounts, no server — nothing for us to see, sell, or leak.
The date, the full tax engine, portfolio tracking, and two strategies — free forever, not a trial.
Month by month — contributions compound, the target sustains your spending, and every future withdrawal is taxed under your country’s real rules.
Twenty-five audited jurisdictions — US federal plus all 50 states — and guided setup everywhere else.
iPhone at launch.
The yearly plan starts with a 7-day free trial; both plans cancel anytime in Settings.
No — estimates from your numbers, for education. For decisions, bring the report to a licensed professional.
One email at launch. Nothing else, ever — stored by us, shared with no one.
Every figure on this page is a verified fact about Firn (25 audited countries, 4,079 reference checks) or computed live in your browser from a stated example plan — $340,000 saved, $3,000 a month, $40,000 a year of spending, 5% real return, age 36. Nothing is a mock-up. The theaters re-solve every date and delta as the scenes play; illustrative inputs (ages, holding, rent, loan, pension, yields, DCF fundamentals) are labelled on-canvas; the Simulate odds come from 5,000 futures generated on the spot; crash-test percentages are real S&P 500 peak-to-trough drawdowns. The hero draws sixty geometric-Brownian futures (5% real drift, 15% volatility, monthly). The rent track uses the standard mortgage annuity; the US sale example applies the 15% long-term rate with 65% assumed gain. Tax specimens reflect the rules as audited in Firn’s engine — when legislation moves, the engine ships the change. No market data appears on this page.