MoneyOnFIRE answers two questions: when can you reach financial independence, and what should you do to get there the fastest? It runs a financial simulation across income, taxes, accounts, contributions, returns, and withdrawals, then produces a prioritized action checklist with specific dollar amounts, dates, and steps.

Several of the biggest improvements came directly from comments on the last HN thread:

Rental property support: The engine now models rental income, mortgages, appreciation, and how properties interact with the rest of a financial plan.

Scenario modeling: You can now compare how different choices — lower returns, working longer, adjusting spending — affect your FI timeline side by side.

No login required: Several people didn't want to create an account or store financial data. You can now run a full plan without signing up.

FI vs FIRE: We initially built for the early-retirement crowd. Feedback showed it's just as useful for anyone pursuing financial independence on a longer timeline — the calculations and actions are the same.

Also shipped: support for multiple children and college timelines, Roth conversion ladders, IRA strategy selection, umbrella and term life insurance sizing, and dynamic reports that update as your inputs change.

The core thesis hasn't changed: personal finances are a complex web of interacting rules and calculations. We want to solve that and give everyone a clear, ordered set of actions they can actually implement.

Happy to answer questions about the engine or the modeling decisions behind it.