FIRE tracking app · Free to start

The FIRE tracking app that shows when you could retire

Track your net worth across investments, retirement accounts and property, project it forward to see when you could reach financial independence, then plan the drawdown and stress-test it with Monte Carlo simulation. All from numbers you enter, with no bank linking.

See what it tracksStart tracking free

What it tracks

Everything you need to follow your path to FIRE

A budgeting app tells you where your money went. A FIRE tracker tells you where it's going, and whether you'll reach financial independence on the timeline you want.

Net worth over time
Cash, investments, retirement accounts and property in one view, minus everything you owe, alongside the monthly cash flow that funds your investing.
When you could retire
Calm Sea projects your assets forward year by year, then plans the drawdown: how your savings and income sources carry you through retirement and how long your money could last.
Monte Carlo simulation
Test your plan across many randomised market scenarios to see how likely your money is to last, rather than relying on a single growth rate.
Property, mortgages and equity
Link a mortgage to the home or rental it's secured against and see equity and loan-to-value ratio (LVR) change as the loan is paid down.
Scenarios in today's dollars
Change your retirement age, spending or growth assumptions and watch the projection update. An inflation setting shows results in today's dollars.
No bank linking
Everything works from numbers you enter. There are no credentials to share and no read access to your accounts, and setup takes about five minutes.

TWO PHASES · ONE PLAN

Every financial life has two halves. Now you can plan both.

Phase 1 · Accumulation

Watch your assets climb and your debts fall

No complex setup. No bank linking. Three steps and you'll see your full financial position for the first time.

01
Add your assets, income, expenses and loans
Enter your property, investments, 401(k), savings and any other assets. Takes about five minutes, no account linking or credentials required.
02
See your net worth
A clean, visual dashboard shows your total net worth, how each asset contributes, and how your wealth has grown over time.
03
See where you're headed
Project your wealth forward based on your growth assumptions. Change variables and watch your future net worth, and your retirement date, adjust in real time.

Phase 2 · Drawdown NEW

See how long your money could last

Enter the retirement income you have in mind and get a year-by-year projection of how your savings, investments and other income could fund it.

01
Savings
See how long your savings could last at the income you enter
02
Income
Every income source you enter, projected across each year
03
Change assumptions
Change your retirement age or spending and watch the projection update

Who Calm Sea suits

  • People working toward FIRE who want a clear long-range picture, not another budget.
  • Homeowners and property investors whose net worth includes real estate and mortgages.
  • Anyone who would rather not hand over bank credentials to track their progress.

What it doesn't do

  • No bank syncing, so balances are updated by you.
  • No dedicated savings-rate metric.

Need those? Our comparison of the best FIRE tracking apps covers tools that do.

Know your FIRE numbers

Free guides and calculators to work out your FI number and the path that fits you.

Types of FIRE compared

Lean, Fat, Coast, Barista and Chubby FIRE side by side.

Best FIRE tracking apps compared

How Calm Sea compares with five other ways to track FIRE.

Safe withdrawal rate calculator

See how your withdrawal rate changes the portfolio you need.

The 4% rule explained

Where the 25x rule of thumb comes from and its limits.

How much do you need to retire?

Social Security, outside investments and five scenarios.

What is FIRE?

A full guide to financial independence, retire early.

Frequently asked questions

What is a FIRE tracking app?
A FIRE tracking app helps you follow your progress toward financial independence, retire early (FIRE). Unlike a budgeting app, which looks back at where your money went, it looks forward: it tracks your net worth over time and projects where your assets are heading, so you can estimate when your investments could cover your living costs.
Is Calm Sea free?
Yes. The Simple plan is free and lets you create projections. The Everyday Users plan costs $9 a month or $89 a year and adds saving your data and more features. No credit card is needed to start.
Do I need to link my bank accounts?
No. Calm Sea is entirely manual-entry. You type in your balances, loans, income and expenses, and there is no bank linking or ongoing syncing. That keeps your credentials private, but it does mean updating balances yourself.
Does Calm Sea plan the retirement drawdown?
Yes. Beyond projecting your net worth while you build wealth, Calm Sea models the drawdown phase: how your savings and income sources fund your spending through retirement, year by year, and how long your money could last. A Monte Carlo simulation then tests the plan across many randomised market scenarios.
Does Calm Sea include property and mortgages?
Yes. You can add your home or investment properties and link each mortgage to the property it's secured against. The dashboards show equity and loan-to-value ratio (LVR), so your net worth includes property rather than only investment accounts.
What doesn't Calm Sea do?
Calm Sea doesn't sync with banks and doesn't show a dedicated savings-rate metric. If you need those, the best FIRE tracking apps comparison covers tools that do.

Ready to see where you stand?

Bring all your accounts, property and investments into one calm view of your net worth.

See my net worth, free

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