Free
For anyone getting serious about FIRE
- Your real FIRE date — 4 scenarios + Coast FIRE
- Ahead or behind plan? Tracked monthly
- Full dashboard — drawdown, win rate & more
- 500-run Monte Carlo odds
Pro
PopularFor people done manually updating spreadsheets
billed monthly
Everything in Free, plus:
- Balances update themselves, nightly
- Your whole journey, not just 12 months
- Drift alerts — before it costs you
- Retirement modeling: SWR, dynamic %, guardrails
Family
HouseholdFor two people, one shared FIRE plan
billed monthly
Everything in Pro, plus:
- One dashboard for both of you
- Partner invite — combined net worth
- A savings plan for each kid
- One household FIRE number
| Feature | Free | Pro | Family |
|---|---|---|---|
| Plan | |||
| 4-scenario projections (Bullish/Base/Bearish/Conservative) | |||
| Coast FIRE calculation | |||
| Monte Carlo simulation | 500 sims | 5,000 sims | 5,000 sims |
| Track | |||
| Actual-vs-plan tracking + streak counter + drift trend line | Rolling 12 months | Full history | Full history |
| Deposits-vs-market growth breakdown | Rolling 12 months | Full history | Full history |
| Life-event annotations on growth chart | |||
| Auto-tracked balance from live holdings prices (daily, no manual entry) | |||
| Allocate | |||
| Target allocation tracking (view current vs. target mix) | |||
| Allocation drift alerts (Overweight/Underweight flags) | |||
| Real multi-currency conversion (live FX, not display-only) | |||
| Full dashboard (peak, drawdown, win rate, volatility, etc.) | |||
| Retire | |||
| Retirement drawdown modeling (SWR / dynamic % / guardrails + longevity risk) | |||
| Data | |||
| Balance history — data stored | Unlimited, never deleted | Unlimited, never deleted | Unlimited, never deleted |
| Balance history — visualized/charted | Rolling 12 months only | Full history | Full history |
| Export / shareable reports | |||
| Family | |||
| Household FIRE dashboard (combined portfolio view) | |||
| Partner invite — shared household view (up to 2 adults) | |||
| Kids' Futures tracking (savings projection to target age) | |||
| Household FIRE target (custom vs. sum of individuals) | |||
| Support | |||
| Premium support | |||
Questions
Can I cancel anytime?+
Yes. Downgrade from Free to Pro (or back) anytime in Settings → Plan & Billing — no lock-in, no questions asked.
What happens to my data if I downgrade?+
Nothing is deleted. Your full history stays stored either way — Free just charts and analyzes a rolling 12-month window instead of everything. Upgrade again and the full history is right where you left it.
Why is Free this generous?+
Because a FIRE tracker only earns trust if it works with your real numbers from day one. Free gets the full calculator, Coast FIRE, actual-vs-plan tracking, and the whole dashboard — Pro adds depth (auto-tracked balances, full history, drift alerts, multi-currency, retirement modeling), not a crippled trial.
What currencies does FirePath support?+
Your portfolio's base currency can be EUR, USD, or GBP. Pro also supports holdings priced in other currencies, converted at a live exchange rate rather than just relabeled.
Is my financial data safe?+
Passwords are hashed with scrypt and never stored in plain text. Your session is a single signed cookie that can't be forged without our server-side secret, and login/signup are rate-limited against automated abuse.
What happens if a payment fails?+
Stripe automatically retries a failed payment over the following weeks (Smart Retries), and your plan stays active in the meantime — you'll get an email the first time it happens so you can update your payment method. Only if every retry fails does your account move back to Free.
Do you offer refunds?+
Reach out at support@myfirepath.app — since there's no lock-in and you can downgrade instantly, most requests are simple to handle case by case.