Ongoing FIRE progress · Net worth and retirement accounts together
A FIRE tracker app that connects today’s wealth to your freedom date
Keep the balances behind your FIRE plan current: invested assets, accessible accounts, pensions, savings rate, and progress toward financial independence. Use the separate calculator methodology when you need a deterministic projection.
Planning estimates only—not financial, tax, or investment advice.
Financial independence progress
42%
FIRE number
EUR 1,000,000
Estimated FI age
47
Savings rate
38%
Withdrawal assumption
3.5%
Illustrative values. Your result changes with the inputs and assumptions you choose.
Track accessible capital separately from total net worth
A higher net-worth total does not necessarily bring an early retirement date closer. Your home and a pension you cannot yet access may not pay next year’s bills.
- Start with a complete balance sheet, then identify the assets available to fund spending before pension access. Do not count a home as spendable cash without an explicit sale or borrowing assumption.
- Keep debts, estimated spending and the reporting currency consistent. An FX gain can change a total without increasing the income available in the country where you spend.
- Review the assumptions behind any estimated FIRE date. Change one assumption at a time and compare the result rather than treating a smooth-return projection as a probability of success.
- Use dated snapshots to compare actual savings progress with the plan. Revisit the plan after relocation, a new mortgage or a change in pension access.
Before you commit: The tracker is not Monte Carlo analysis, a guaranteed retirement date, or jurisdiction-specific tax and pension advice.
How much of your net worth is available for FIRE?
A home and a pension belong on your balance sheet. They may not be available to pay next year's bills. This free worksheet keeps total net worth separate from the assets you choose to make available for near-term spending.
The example below is fictional. It uses fixed illustrative exchange rates and assumes full ownership. The spreadsheet lets you change balances, ownership, access assumptions and earmarked reserves.
| Account | Original balance | EUR per unit | Net-worth value | Selected accessible assets |
|---|---|---|---|---|
| Cash | EUR 10,000 | 1.00 | 10,000 | 8,000 after a 2,000 reserve |
| Taxable investments | USD 20,000 | 0.90 | 18,000 | 18,000 before taxes and fees |
| Pension | GBP 30,000 | 1.15 | 34,500 | 0; assumed inaccessible |
| Home | EUR 300,000 | 1.00 | 300,000 | 0; no sale assumed |
| Mortgage | EUR −180,000 | 1.00 | −180,000 | 0; debt service modeled separately |
| Total (EUR) | 182,500 | 26,000 | ||
These totals answer different questions. The EUR 26,000 is a selected asset subtotal after the cash reserve, not liquid net worth, an after-tax amount, or evidence that retirement is affordable. The mortgage still reduces net worth. Debt payments and any planned payoff must be included in a separate spending plan.
XLSX for Excel or import into your own Google Sheet. No email required, macros, bank connection or live FX feed. Your edited balances stay in the file you use; this download does not send them to PopaDex. Recalculation was checked in our spreadsheet engine; desktop Excel and Google Sheets behavior has not been independently tested.
Use the worksheet in four steps
- Choose a valuation date. Enter assets as positive balances and debts as negative balances. Use one consistent household scope.
- Enter EUR per unit of each currency and your ownership share. For a joint asset, count the whole asset once or your share once. Do not include both.
- Set the share of each positive asset available for the period you are planning. Set aside reserves in EUR after conversion and ownership. Check pension access, taxes, sale costs and restrictions for your own situation.
- Compare total net worth with selected accessible assets. A USD rate change from 0.90 to 0.95 EUR raises the example totals to EUR 183,500 and EUR 27,000 without a deposit. Record currency effects separately from contributions.
The worksheet supports up to 20 account rows. A partially filled or invalid row returns #N/A so an incomplete balance does not silently become zero. Replace fictional values before using it. It does not calculate returns, pension eligibility, a withdrawal rate or a retirement date.
For an ongoing account history, explore the net-worth tracker or see how multi-currency tracking works. The worksheet is standalone; automatic import into PopaDex is not promised.
Method: signed balance × EUR exchange rate × ownership share. Selected assets: positive owned value × chosen accessible share − earmarked EUR reserve. The familiar assets-minus-liabilities definition is explained by FINRA's financial foundations guide. Our access choices and numbers are illustrative, not FINRA recommendations. Educational material, not individual financial or tax advice.
The complete progress view
The metrics a FIRE tracker should keep together
Current net worth is only the starting point. A useful tracker connects the balance sheet to spending, access ages, and planning assumptions.
FIRE number
Estimate the invested assets needed from planned annual spending and a withdrawal rate you control.
Progress percentage
Compare eligible invested assets with the target rather than treating every asset as equally spendable.
Estimated FIRE date
Project a possible age and year based on savings, growth, inflation, and tax assumptions.
Accessible versus pension assets
Separate money available before retirement-account access ages from pensions and other restricted savings.
Savings rate
See how changes in annual income, spending, and contributions affect the projected timeline.
Multiple currencies
Keep international accounts in their native currencies while planning in one chosen base currency.
Starting assumption
What the 25x rule means
The 25x rule estimates a starting FIRE target by multiplying planned annual spending by 25. It is the inverse of a 4% starting withdrawal rate. For example, annual spending of €40,000 produces a €1,000,000 baseline target.
It is not a promise that a portfolio will last. Retirement length, asset allocation, market sequence, inflation, fees, taxes, healthcare, exchange rates, pension access, and spending flexibility can justify a different withdrawal rate and target. Treat 25x as one scenario, then test more conservative assumptions.
Review the formula and research limitations →Choose the right tool
Calculator, spreadsheet, or FIRE tracker app?
How to use it
Build a projection you can review
1. Add accessible and retirement assets
Include taxable investments, ISAs, brokerage accounts, pensions, 401(k)s, IRAs, and other relevant assets without confusing access dates.
2. Enter spending and savings
Use realistic annual spending and contributions. Your savings rate is one of the biggest controllable inputs.
3. Stress-test assumptions
Try lower returns, higher inflation, different retirement spending, and a more conservative withdrawal rate.
4. Review after real changes
Update after major income, spending, location, family, tax, or portfolio changes—not just when markets rise.
FIRE tracker questions
What should count toward my FIRE number?
Typically, count invested assets intended to fund retirement. Treat home equity, emergency cash, age-restricted pensions, and illiquid assets according to whether and when they can actually support spending.
Can I change the 4% rule?
Yes. The classic rule is a starting assumption, not a universal answer. Use a withdrawal rate appropriate to the expected retirement length, asset allocation, flexibility, taxes, and risk tolerance.
Does this work for expats?
PopaDex supports planning across multiple currencies. Expats should also model taxes, pension access, healthcare, and expected retirement-country spending separately.
Turn the FIRE estimate into a progress system
Save the balance-sheet inputs behind the plan and update them as your life changes. Use the calculator page for projection methodology.