UntilFireOver half of it arrives
in the last ten years.
The first decade feels like nothing is happening. That is the decade almost everyone quits — right before the part that pays. UntilFire keeps you in it.
Free · No account · Numbers stay private
Securely connects to 14,000+ banks & brokerages
Three steps between you and your date.
See your freedom date
Enter a few numbers. Get the date when work becomes optional.
Understand what moves it
See which changes shorten your timeline the most.
Take your first step
Get one clear action you can act on today.
Compounding does the work.
Your number decides how much.
The decade nobody warns you about.
Ten years in, a $500-a-month habit is worth about $86,500. It does not feel like financial independence. It feels like a savings account with extra steps.
That is not failure — that is the shape of the thing. Left alone, the same habit produces $702,000 in its fourth decade alone.
Starting early beats saving more.
Someone who invests for ten years and then never adds another dollar still finishes ahead of someone who starts a decade later and keeps paying in for thirty.
$5,000 a year for ten years, then never adds another dollar.
$5,000 a year, every year, for thirty-one years.
The early starter put in $105,000 less and still finished $55,980 ahead.
You do not need a large number to start.
A habit beats a windfall, because a habit gets multiplied every month it runs.
Over 40 years at a 7% average annual return after inflation. The multiple is the same on every row because the multiplier is time, not the size of the cheque.
Your second life comes with a world.
Start free. Stay for the plan.
- Freedom date calculation
- One clear next move
- Decision sliders
- Shareable result card
- Everything in Free
- Ranked next moves by time saved
- Action plan from your spending
- Unlimited bank & brokerage sync
- Progress tracking & reports
Seeing the date change when I adjusted my savings — that was the moment it clicked.
Good questions.
What is a freedom date?
The date when work can become optional based on your current income, spending, and savings. It's a starting line you can move closer with better choices.
How is this different from a calculator?
Most calculators stop at a number. UntilFire starts there and turns it into a plan: what matters, what to change next, and how to move forward.
Do I need an account?
No. You can see your freedom date and first move without creating an account. Create one when you want to save your plan and track progress.
Is this financial advice?
No. UntilFire is planning software that helps you understand scenarios and tradeoffs. It does not replace a licensed financial adviser.
You are somewhere
on that curve.
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