01 — BUDGETS
See where every dollar goes.
Give any category a monthly budget and FIYR checks every transaction against it as it lands — so you always know what's left, what you've overspent, and exactly where the money went.
LIVE DEMO · NO SIGNUP · NOTHING STORED
See your money.
Free your time.
Connect your accounts and FIYR tracks everything — spending, budgets, and net worth — then turns that real data into a retirement date you can drag, test, and beat.
NO DATA SELLING · NO ADS · NO HIDDEN FEES
FIYRLIVE — demo dataDecember 2025
$2,150
Safe to Spend
Balance $16,540Credit cards −$640− Goals $13,750
$3,915
December Spending
▾ 16% less than last month
Account Owner:
| Labels | Goal | 💳 |  S | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Dec 24, 2025 $371.02 | |||||||||
Select goal | | ☕Coffee & Tea▲ | |||||||
Select goal | S | 🍎Groceries▲ | |||||||
Japan Trip | 🗾Japan trip | S | 🏨Hotels & Lodging▲ | ||||||
| Dec 23, 2025 $65.00 | |||||||||
Select goal | S | ⛽Gas▲ | |||||||
work | Select goal | | 🍔Eating Out▲ | $2.40 tip | |||||
| Dec 21, 2025 $7.50 | |||||||||
Select goal | S | ☕Coffee & Tea▲ | $1.00 tip | ||||||
On iPhone
The same FIYR on your phone
These are screenshots from the FIYR iPhone app, signed in to the demo account, so every number is sample data. The iPhone app is coming soon to the App Store. Until then, the same screens work in your phone’s browser at fiyr.app.
Transactions
Safe to Spend and this month’s spending at the top, then every transaction.
Breakdown
Where the month went, one category at a time.
Split transaction
Split one charge into parts with their own amounts and categories.
Budget
Each category against its budget, with what is left or over.
Merchant budgets
A monthly cap on one store, kept apart from your category budgets.
Recurring
This month’s bills and subscriptions, and what is still to be paid.
Bills found for you
Recurring bills FIYR detects are added on their own, and you can remove any.
Goals
Every goal’s progress, with Safe to Spend above it.
New goal
Fixed goals with dates, and Recurring ones that start again on their own.
Net Worth
Assets, loans and how your net worth has moved over the years.
Freedom Date
The day your money could pay for your life, worked out from your accounts.
How likely your money lasts
Your plan run through market history since 1928, and how often the money lasts.
Reality check
This year’s plan next to what you actually earned, spent and saved.
Retire Anywhere
How much sooner you could retire somewhere cheaper to live.
Cash Flow
Cash today and a 30-day projection with bills and paychecks marked.
Income
Deposits received and expected this month, and when the next one lands.
Summary
The year so far: income, spending and savings rate against last year.
Forecast
Where your net worth is heading, up to 30 years out.
Alerts
A note when a category or the month runs ahead of your usual.
Daily brief
Each morning: Safe to Spend, bills due soon and anything that needs you.
Weekly recap
On Mondays, last week’s spending against your usual week and where it went.
Monthly review
On the 1st, last month against your budget and how your net worth moved.
Brief settings
Turn the daily brief, weekly recap and monthly review on or off, each on its own.
FIYR Rewind
Your year played back as a short story you tap through.
ALL IN ONE APP
Transaction refreshlatest activity, on demand
Custom categoriesspending, your way
Transaction rulesauto-categorize everything
Smart alertsknow before it stings
Net worthevery account, one number
Budgetsstay on track
Cash flow30 days ahead
Safe to spendone honest number
Ask Fiyrask anything about your money
Labelstag trips, projects, people
Daily insightsa brief every morning
MCP integrationyour finances, inside Claude
FIRE planningyour freedom date
Goalsfund what matters
Recurring detectionnever miss a bill
Net worth travelsyour number on a map
THE ONLY NUMBER THAT MATTERS
When can you retire?
YOUR PROJECTED FIRE DATE
July 2047 — age 53
Money put inGrowthGap to targetAbove targetFIRE targetRange of outcomes
Inside the app, your plan also counts taxes on withdrawals, loans and family costs, so your real date may be later.
Savings rate, Coast FIRE and Lean/Fat targets: open the full FIRE calculator →
LEARN
What is FIRE?
Financial Independence, Retire Early
FIRE means having enough invested assets to cover your living expenses forever — true freedom from the dependency on earning money to survive. While most people work 40+ years to retire, FIRE followers achieve financial independence in 10-20 years by optimizing their savings rate and investment strategy.
The math is simple: save roughly 25x your annual expenses, and you can withdraw about 4% per year while your investments continue generating enough to sustain your lifestyle indefinitely. By focusing on intentional spending, smart investing, and growing your income, you can achieve high savings rates while still living a fulfilling life.
FIRE isn't just for high earners — teachers, nurses, and mechanics have achieved it, and so can you. Your savings rate matters more than your salary. Financial independence means working because you want to, not because you have to. Design your own life: pursue passion projects, start a business, or simply have the freedom to choose.
FIRE NUMBER25x your annual expenses
4% RULE What you can safely withdraw each year
SAVINGS RATE Matters more than your salary
CONNECT · TRACK · PROJECT
How it works
FIYR is a daily budgeting and net-worth tracker that goes a step further: link your accounts once, and the same real data that tracks today's spending projects the date you reach financial independence.
- 01ConnectSecurely link your banks, cards, and investment accounts.
- 02TrackEvery transaction, budget, and net-worth change in one place — every day.
- 03ProjectThat real data compounds into your FIRE date — drag it, test it, beat it.
02 — RECURRING
Every recurring charge, caught.
FIYR automatically detects your subscriptions and fixed monthly bills — the forgotten free trial, the quiet price hike, the renewal you meant to cancel. See what's already hit this month, what's still coming, and what it all adds up to.
MONTHLY RECURRING
$162.40/mo
$1,948.80/yr
$112.44 charged$49.96 upcoming
UPCOMING
Disney+Nov 15$13.99
YouTube PremiumNov 18$13.99
SpotifyNov 22$11.99
03 — NET WORTH
Track everything you own and owe.
Add any asset or liability you want — bank and brokerage accounts, a home, a car, crypto, loans — and FIYR charts your net worth, assets, and liabilities as they move, month over month.
EVERY DOLLAR HAS A JOB
Turn dreams into deadlines.
Four goals funded from one balance — and a single number that says what's actually safe to spend today.
LIVE — demo dataDEC 25, 2025
☂️Emergency fund$7.8K / $10K78%
🗾Japan trip$3K / $6K49%
💻New MacBook$2.4K / $2.5K94%
🏡House down payment$1.2K / $48K3%
Apr ’25
Jul
Oct
Jan ’26
Apr
Jul
Oct
TODAYSEE AROUND CORNERS
Your balance, fast-forwarded.
Know your balance next month, not just today.
LIVE — demo dataOCT 2025 → JUL 2026
Cash balance
$15,900
~$65/day variable
30-day projection
$17,298
☂️ $12/day
🗾 $11/day
💻 $2/day
🏡 $30/day
History Projected Safe to spend
ON AUTOPILOT · MONTHLY🏠 Rent $1,850🚗 Car payment $420📺 Subscriptions ×9 $162.40🛡️ Car insurance $130📈 Auto-invest $600🎯 Goals ~$54/day
The balance climbs ~$1,200/mo, yet goals keep auto-saving: safe to spend crosses $0 on Mar 13 — flagged 3 months ahead.
LABELS
Label anything. See where it really went.
A vacation isn't one category — it's flights, hotels, food, and a rental car, on three different cards. Tag it once and FIYR traces every dollar from the label down to the merchant.
LIVE — demo data🏷️ Maui Trip
Tag anything
Drop a label on any transaction — across categories, across accounts. By hand, or automatically with a rule.
It rolls up
Every tagged purchase flows into one view: the label's total, broken down by category, then by the merchants you actually paid.
See the real cost
The honest, all-in number for a trip or a project — not six scattered line items you'd never add up yourself.
🌴 Vacation💼 Work🧾 Reimbursable💍 Wedding🏠 Renovation🎁 Gifts
Anything that doesn't fit a single category gets its own honest total.
ASK, DON'T DIG
Ask your money anything.
Plain-English answers from your real numbers.
ASK FIYR
Where did my money go in May?
What's my net worth right now?
What do my subscriptions add up to?
Which budgets did I go over in May?
How much did I save each month?
Where is all my cash sitting?
Is my net worth actually growing?
Nine subscriptions come to $162.40 a month, or $1,948.80 a year. The gym alone is 28% of that.
Monthly subscriptions
Demo data
Savings rate → retirement year
15% savings rate$945/mo saved
Projected retirement year
Every dollar you don't spend moves the date.
Keep scrolling
What's in FIYR
Built for how you actually
handle money
Refresh transactions
You do not have to wait for the next sync. Refresh transactions asks your banks for anything new right away, and whatever they have shows up in FIYR within a minute or two. You get 10 refreshes a month, on top of the automatic syncs that run a few times a day.
How it works: Refresh transactionsChecked 2 banks
New transactions show up here within a minute or two. 9 of 10 refreshes left this month.
Split transactions
Break one charge into parts, each with its own amount, category and name. A $150 Costco run can become $110 of groceries and a $40 gift.
How it works: Split transactionsOwners and shared accounts
Add your partner and mark each account as yours, theirs or both. Every transaction gets an owner, and you can see spending per person. Your partner does not need a separate login.
How it works: Owners and shared accountsBusiness categories
New accounts come with a Business Expenses group, from Business Meals to Office Rent, plus a Business Income category. Rules can file business charges for you.
How it works: Business categoriesAlerts
Seven alert types watch whether a category or the whole month is on pace against your budget or your usual, and tell you when a bank stops syncing.
How it works: AlertsDaily brief
One short read each morning: Safe to Spend and how it moved, yesterday's spending, bills due in the next 3 days and how the month is pacing.
How it works: Daily briefFixed and recurring goals
A Fixed goal has a start and end date and shows what you need to save each day. Turn on Recurring and it starts again with the same amount, for bills like insurance.
How it works: Fixed and recurring goalsAsk Fiyr
Ask questions about your own money in plain English, like what you spent at Costco this year or when you could reach $1M. It reads your FIYR data and never moves money or edits your transactions.
How it works: Ask FiyrFIYR Rewind
Your year played back as a short story: what you spent and kept, your regular spots, the trips you took and how your Freedom Date moved.
How it works: FIYR RewindSee how FIYR fits couples, professionals and business owners.
RETIRE ANYWHERE
Your number travels.
Your FIRE number is set by your cost of living, so where you live decides when you hit it. A cheaper city or country can pull your retirement date years earlier. Tap any city to open it in the explorer and see how your number and your date change there.
Retire at 53 here · 45 in Chiang Mai
Illustrative cost-of-living model — every assumption editable in-app.
The FIYR Mission
Financial independence
isn't about money.
It's about time.
Everyone should be free to dream again — to do what they're passionate about, whether it brings in money or not. — The FIYR mission
There was a time when financial security felt achievable: save diligently, manage your expenses, plan ahead. The landscape has changed. Society encourages spending over saving, financial literacy is alarmingly low, and many institutions profit from our debt — not our success.
FIRE — Financial Independence, Retire Early — is the counter-move. Save aggressively. Invest in low-cost index funds. Cut what adds no value, and build income that doesn't need you at a desk. Not deprivation — a buy-back of your hours.
Whether you want to start a creative agency, pursue music, travel the world, or simply stop worrying about bills, the path is the same: know your numbers, and follow a realistic timeline to independence. That's what FIYR is for.
The state of our money
01
3.2%
The U.S. personal savings rate in 2024 — down from 32% during the pandemic.
02
$1.05T
Credit card debt — an all-time high.
03
9 in 10
Americans aren't living their definition of financial freedom.
It's time to take control.It's time to dream again.It's time to ignite your path.
SECURITY AND PRIVACY
You're the customer, not the product.
FIYR is paid for by subscriptions. Here is what it can see, what it can't, and how to leave.
Bank access
Read-only, through Plaid
See balances and transactionsYes
Move moneyNever
Change anything at your bankNever
See your bank loginNever
You sign in to your bank inside Plaid's window. FIYR gets read-only access and never sees your password.
Business model
Paid for by you, not by advertisers
Your subscriptionYes
Ads in the appNone
Selling your dataNever
Your financial data is never shared with advertisers.
Encryption
Encrypted, stored and sent
- At rest
- 256-bit
- In transit
- TLS
- Runs on
- Google Cloud
Your data
Delete everything, any time
SettingsProfileDelete account…
Erases your data, disconnects your banks and cancels your subscription. It works even after your subscription ends.
The details are in our privacy policy.
PRICING
One plan. Everything included.
30 days free · cancel anytime
$6.40/ MonthSaving 20%
Billed as $76.80/year
Start free trial- ✓Link unlimited accounts for a complete financial picture
- ✓Calculate your FIRE date with customizable scenarios
- ✓Create smart budgets that adapt to your spending patterns
- ✓Track net worth with support for all asset types
- ✓Manage recurring expenses and subscriptions
- ✓Visualize your money flow with Sankey charts
You may be closer than you think
With $85,000 saved at 32, you're 59% of the way to Coast-FIRE — the point where 7% growth alone carries you to $1,350,000 by 65, even if you never saved another dollar.
59%
Frequently Asked Questions
Everything you need to know about managing your money with FIYR
Ready to take control?
You've just used FIYR for five minutes. Now make it yours.
No data selling · No ads · No hidden fees