Compound Future: FIRE Planner

Pelagic Dynamics

In-app purchases

About this app

Plan for financial independence and see whether you're staying on track.

Compound Future is a FIRE planner and tracker for people working toward Financial Independence, Retire Early (FIRE). Build long-term wealth projections, set a personal FIRE target, compare scenarios, and check your actual progress against the plan over time.

Unlike a basic FIRE or retirement calculator, Compound Future is designed to help you revisit your plan and track how reality develops over time.

Plan Your FIRE Journey

Create a long-term financial plan based on your own assumptions.

• Project how your wealth may develop over time
• Include savings, monthly contributions, investment returns, costs, taxes and inflation
• Set your personal FIRE target
• Estimate when you may reach financial independence
• Compare nominal and inflation-adjusted results
• Review your projected wealth year by year
• Save and reopen different scenarios

Track Plan vs. Reality

A long-term plan is more useful when you can compare it with what actually happened.

Update your current progress and compare it with your original projection. See whether you're ahead, behind or still on track toward your FIRE goal.

Explore What-If Scenarios

Your future depends on assumptions. Compound Future helps you test different possibilities instead of relying on a single forecast.

• Compare conservative, realistic and aggressive market assumptions
• Compare saved scenarios side by side
• See how changes in returns, inflation, costs and contributions affect your results
• Use sensitivity analysis to understand which assumptions have the greatest impact

Model Market Uncertainty

Markets do not deliver the same return every year. Monte Carlo simulations test your plan across many possible market paths, helping you explore a range of potential outcomes instead of relying on one fixed projection.

Use Compound Future to explore questions such as how long it may take to reach financial independence, how monthly contributions can affect your timeline, and how changing assumptions may influence your FIRE plan.

Private and Simple

Compound Future does not require an account or a bank connection. Your financial scenarios are stored locally on your device.

Pro Features

Optional Pro features provide additional tools for more advanced planning:

• Monte Carlo simulations
• Sensitivity analysis
• Compare up to three saved scenarios
• Unlimited saved scenarios
• PDF export of simulation results

Compound Future supports multiple currencies and app languages.

Whether you're planning for early retirement, comparing investment projections or checking whether you're still on course toward financial independence, Compound Future helps you understand your plan and how it changes over time.

Compound Future is a financial planning and educational tool. Results are based on the assumptions you enter and are not financial or investment advice.

What’s new

- New: Backup & Restore – back up your app data and restore it when needed.
- General improvements.