FIRE portfolio management
Net worth tracking, FIRE projections, and an AI layer that turns your portfolio into decisions — for anyone working toward financial independence.
Free plan — no credit card required
Your data is never sold · OpenAI DPA signed — your portfolio never trains AI models
Net worth
FIRE progress
67%FI date: Oct 2038 · 12 years away
Top holdings
How it works
Type a position in plain language, drop a broker PDF, or enter manually. Takes about 5 minutes for a typical portfolio.
Net worth, all four FIRE variants, Monte Carlo probability ranges, and a 24-month cash-flow calendar — updated the moment you save.
Monthly portfolio review, allocation analysis, goal sequencing, and "can I afford X?" — grounded in your actual numbers, not generic advice.
Asset tracking
ETFs, stocks, real estate, crypto, pension, bonds — tracked together with cost basis and unrealized P&L on every holding. One view of your complete net worth, not six spreadsheets.
Portfolio
€284,3004 positions · 4 asset classes
Allocation
Holdings
Unrealized gain
Portfolio + projections
From your first ETF to your last mortgage payment — tracked, projected, and understood.
Track every asset and liability — ETFs, stocks, crypto, property, pension, cash. Watch your net worth compound month by month.
Lean, Fat, Barista, Coast — run Monte Carlo simulations across all four. See probability ranges, not just a single date.
Recurring income, expenses, and upcoming events on a 24-month horizon. Salary, rent, subscriptions — tracked against projections.
Assets in EUR, USD, GBP, CHF and more. FX rates updated daily. Everything converted to your base currency automatically.
AI-assisted entry
Adding assets, importing broker statements, and asking hard financial questions — done in seconds. The habit of tracking stays; the friction disappears.
Type a position in plain language. AI parses the ticker, shares, price, and account — no forms.
Natural language entry
Drop your DeGiro, Trade Republic, or IBKR statement. AI extracts positions and matches tickers automatically.
PDF statement import
Model any scenario against your FI date — sabbatical, house purchase, salary cut. See the real impact before you decide.
“Can I afford X?”
Affordable — your buffer absorbs this with 6 months of runway to spare.
AI CFO layer
The AI layer reads your full portfolio and speaks plainly — no jargon, no generic advice. It knows your FIRE date, your allocation targets, and your objectives.
A full read of your portfolio every month — what changed, why it matters, and what to watch.
Allocation vs. targets, concentration risk, rebalancing suggestions — grounded in your actual numbers.
Emergency fund first, then FIRE, then house. AI sequences your financial goals in the right order.
Model a purchase, salary drop, or sabbatical against your FI date. See the real impact before deciding.
AI CFO review — April 2026
Your net worth grew €1,840 in April — your second consecutive month above €1,500. Your savings rate of 31% puts you 14 months ahead of your original FI date.
Your crypto allocation reached 11% after BTC's April run — your target is 8%. No action is required now, but if BTC holds above €85k next month, consider trimming €8,000 into VWCE to stay within your allocation band.
Built different
Automatic sync shows you what you have. Manual entry makes you think about why you have it. Spending 90 seconds updating your portfolio each month is the practice, not the friction. Every number you enter is a number you understand.
Wealth Decisions is built for people who are intentional about money — not people who want to passively watch a number update. If that's you, this is your tool.
PRICING
Start free. Every paid plan includes a 14-day Pro trial — no credit card required.
Always free
Start tracking your FIRE portfolio.
Billed €59/year
The complete FIRE tracker with AI-assisted entry.
Billed €119/year
Unlimited AI. On-demand control. Your full financial system.
Essential and Pro include data export. Cancel any time — your data is always yours.
Start free. 14-day Pro trial included — no credit card required.
Get started freeYour data is never sold · OpenAI DPA signed
Common questions
Automatic sync shows you what you have. Manual entry makes you think about why you have it. FIRE is about intentionality — spending 90 seconds updating your portfolio each month is the practice, not the friction. Every number you enter is a number you understand.
When you use AI features — monthly review, portfolio analysis, "can I afford X?" — your portfolio data is sent to OpenAI's API. We have signed a Data Processing Addendum with OpenAI, and your data is not used to train their models. You can opt out of AI features and use the tracker and projections without any AI processing.
Natural language entry and PDF import work with any broker that produces standard position statements — DeGiro, Trade Republic, Scalable Capital, IBKR, Fidelity, Schwab, and more. ISIN lookup covers securities traded on any major exchange worldwide.
Your data is always yours. You can export everything at any time on Essential and Pro. If you cancel, your account moves to the free tier — your data stays intact, some features are limited. We do not delete accounts or data when you cancel.
Every paid plan starts with a 14-day Pro trial — no credit card required. You get full Pro access from day one. At the end of the trial you choose a plan and add a payment method, or your account moves to the free tier. Nothing is charged automatically.