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Live the path. Leave zero.

Do not wait for a number to permit a life. The years you are in will not come twice. Live Zero Path finds the date money can step aside — then helps you spend the ones you have.

The money is yours. We help you track it, plan it, and live it — we don’t make it.

Sign up free Compare plans Estimate your Freedom Date

Empty ledgers on sign-up · Demo is read-only · Basic is free

Demo household

Now 42 · illustrative — not the visitor’s

Now

Age 42

Freedom Date

Age 61

Years from now

19.16

Path to Zero / mo

10,027.76

You are here at 42. Drawdown from 50. Freedom Date 61 sits in the golden years — live the peak; don’t wait for it. Wealth spent toward zero at mortality. Savings rate 24.06%.

Live now

Spend the years that will not come twice.

Do not postpone a life until a number permits it. Fund the years while your energy is still high.

Traditional finance treats independence as a waiting room: accumulate, then live. Live Zero Path inverts that trap. Money is a tool for a life well-lived — not the destination. Know the date it can step aside, so you can stop hoarding the best years for a future self who may have less health, less family time, and fewer dreams left to chase. The Freedom Date exists so you can stop waiting — not so you can start living only then.

01

See a Freedom Date

A year you can stop needing more — not a net-worth chart that grows forever. The signed-in FIRE tracker is a crossover: core living, covered, with a date money can step aside.

Try the estimator

02

Fund a memory first

Life Experience turns a trip, a skill, a family ritual into a plan with a date and a sinking fund — so memories are funded on purpose, not leftover scraps.

See the books

03

Spend toward zero

Path to Zero solves the monthly spend that hits a legacy — or zero — at mortality. Guilt-free drawdown mapped to energy: peak, golden, comfort. Hoarding is optional. Zero is allowed.

How drawdown works

Six life pillars

A life in six measures. Money is one vertex, not the whole shape.

Weight them by this season’s priority, time, and effort — not a grade. Age, stage, and taste choose a different mix. The dashboard stays finance; a full life lives on Life Vision. Do not wait until the Freedom Date to begin.

  1. Money

    The engine — never the destination.

  2. Family

    Shared hours, not shared accounts.

  3. Health

    The only wealth you cannot reclaim.

  4. Learning

    A mind that stays in motion.

  5. Dreams

    The reason the engine exists.

  6. Friends

    The people who make the years matter.

Inside the books

Every page has a job. None of them is “more net worth.”

Sign up and you land in your household — empty ledgers, not someone else’s life. Five skippable steps get numbers in (paste a spreadsheet or add one row). After what comes in and goes out, the dashboard is already a command report. Walk the fictional Demo any time to see the same pages filled in. It is read-only, and it isn’t yours.

Create your books

Basic is free. Register is empty on purpose.

Overview

See the household at a glance

A command report — then a first-run that never locks you out.

  • Dashboard

    Thirteen numbers, a net-worth line, and four companion charts. Open a page when a figure asks. Not a lifestyle cockpit.

  • First-run setup

    You → own and owe → in and out → assumptions → optional depth. Last step is optional. Stop anywhere. The rest of the app stays open.

Life Architect

Live the years that will not come twice

Six pillars, a body you can measure, memories with a date, seasons of a household.

  • Life Vision

    Money, Family, Health, Learning, Dreams, Friends — one practical measure and one SMART goal each. Radar for now, timeline for progress. Weight and BMI live on Health, not here.

  • Health & Vitality

    What a home scale can log: vitals, SMART habits, dated check-ins. Not a diagnosis. Not a clinic export.

  • Life Experience

    Die With Zero memories: a plan, an execute-on date, a sinking fund on the balance sheet. Money is the ticket, not the trip.

  • Lives in season

    A season is a decade of a household. Switch 20s–70s to see how money, vision, and health shift — then take a sample spreadsheet into First-run if you want a sketch.

FIRE & Legacy

Know when you are free. Then spend it.

Independence is a date. Drawdown is a path. Neither is an infinite chart.

  • FIRE Tracker & Forecast

    Freedom Date from the 4% / 25× heuristic, blended return, sinking funds kept out of core living. Crossover chart — not a line that grows forever. The public estimator below is a sketch; this page is the Decimal report.

  • Path to Zero

    The maximum guilt-free monthly spend so wealth hits zero — or a legacy you choose — at mortality. Peak, golden, comfort mapped to energy, not to a vault.

Family & Wealth

Own, owe, this month, and the people you protect

Net worth is own minus owe. Children are education rows, not extra logins. A spouse or partner can share these books as Can edit or Read-only.

The statement

  • Kids Education

    Child by child. Have the money on the day they start tertiary — not a single “number of kids × cost” cell.

  • Balance Sheet

    Live own minus owe, plus a month-end line you pin. Cash, titles, and debts live on their own pages; this is the statement.

  • Cash · Real estate · Debts

    What is in the bank and which job each pile has. What the walls are worth. What still owes — loans stay on Debts, not on the house card.

This month

  • Cash Flow

    A direct statement for one month: inflows, statutory, living, wealth-building. Pin a check-in when you want the line. Not a bank-swipe register.

  • Monthly Budget

    Income and tax are given. You budget the expenses. Variance is the point — not a 50/30/20 gate.

Protect

  • Emergency Fund

    If pay stops, how many months? Only cash you can reach this week — not education or memory sleeves.

  • Insurances

    If they die tomorrow, is the household clear? Need is debts plus education, minus life cover. A gap you can see — not a 12-column grid for its own sake.

Investments

What you paid. What it’s worth. In your currency.

Lots and funds reconcile to the balance sheet. They do not double-count it.

  • Stock Portfolio

    Weighted-average lots in listing currency, totals in your base. Local PnL, base PnL, FX when the rates differ. A household report — not a brokerage blotter.

  • Secure & Retirement Funds

    State, workplace, tax wrapper, or cash fund. Transacted versus the mark — so pension access age on FIRE has a sleeve to land on.

The monthly ritual

Close the month

Three minutes, once: what moved on the statement, actuals on the budget, then pin the snapshot. The same check-ins still live on each page — this is the sequencer so you do not forget five errands.

You, not the household math

Settings

Profile, base currency, country, language, passkeys and sessions, billing (this is not net worth), export and erase. Basic is free. Your plan is your login — switching to Demo never rewrites it.

FIRE estimator

See a Freedom Date before you sign in.

Financial independence, in Live Zero Path, is a Freedom Date — the year money can step aside. This public estimator uses the 4% rule · 25× annual living (Bengen / Trinity heuristic), voluntary monthly savings, and a blended 6% return. Figures stay in your browser. Nothing is saved.

The signed-in Demo household lands at age 61 · 19.16 years · target 7,578,449 on the Decimal tracker — sinking funds excluded from core living. This form does not reproduce that result from seed inputs. Sign up for the full report and Path to Zero.

Log in for the full FIRE tracker

Target = monthly living × 12 ÷ SWR (25× at 4%; many non-US plans use 3–3.5%). Return 6% blended. Currency is display only — not saved.

Your Freedom Date

—

Enter your figures, or try the example, to see years to independence and the age money can step aside.

Illustrative only — not financial, tax, or legal advice. The in-app tracker uses Decimal math on your ledgers.

How it starts

Three moves. Then you live.

Register into an empty household of your own — five skippable steps, last optional, paste or type. Or walk the fictional demo to feel the full picture before you put a real life on the internet.

  1. 01

    Know when you are free

    Years-to-FIRE uses voluntary savings and a blended return — so the date is honest, not inflated by pension you cannot spend yet. Estimate it here before you sign in. The signed-in tracker adds sinking-fund exclusion and Decimal math.

  2. 02

    Balance six pillars

    Money, Family, Health, Learning, Dreams, Friends. Score them. Put an action on each. Health is the operational tracker; Life Experience funds the memory. Do not wait for the Freedom Date to start.

  3. 03

    Protect, then enjoy

    Emergency months you can reach this week. Life cover against debts and education. Then spend toward zero — or leave a legacy. Invite a spouse as Can edit or Read-only if you want the books shared.

Decumulation

Die with zero leftover. Keep the memories.

Peak years, golden years, comfort and care. Path to Zero maps spend to energy — so you do not arrive at the end with a vault and an unused life. A legacy target is optional. Zero is allowed.

Log in for the full Path to Zero report
Peak
42–50
Golden
51–65
Comfort
66–85

Ages are the demo’s story, not a prescription. You set start, mortality, and what you wish to leave.

Start empty. Or walk the demo.

A new account is yours — blank ledgers, no one else’s numbers. Five skippable steps, last optional; paste a block or add one row. After what comes in and goes out, the dashboard is already a report. The Demo household is synthetic on purpose, so you can explore Freedom Date, Path to Zero, and the six pillars without putting a real life on the internet first. Basic is free.

Create your account Log in to try Demo