FI Number
Your target net worth.
The portfolio big enough that 4% of it equals your annual spending. At that rate you can draw from it forever without running out, so once you cross this number the paychecks become optional.
$62k / yr → $1.55M
The FIRE portfolio tracker
Buy Back Your Time.
Financial Independence, Retire Early. Stop trading hours for paychecks the moment your investments cover what you'll spend for the rest of your life. Gentry is the FIRE portfolio tracker that turns that math into a live freedom date.
Your inputs
used only to figure out how many years you've earned back vs. working to 65.
the cost of your life next year. drives your FI number directly.
the portfolio you've already saved. brokerage, 401k, Roth, taxable, anything invested.
what you add every month. includes employer match if you count it.
%
long-term real return after inflation. the FIRE community uses ~7%.
What's Your FIRE Number?
Three ideas drive everything the calculator above shows you. Your target net worth, the date you reach it, and the income it pays you forever.
Freedom Date
The day you actually arrive.
Your current portfolio, plus future contributions compounded at your expected return, crosses your FI Number on a specific day. That day is the calculator's answer.
$147k today, $4.2k / mo → Aug 2040
Safe Withdrawal
What your money pays you, forever.
The annual income your FI Number safely produces, year after year, without touching principal. It's sized to match your spending, which is the whole point of the number.
4% of $1.55M = $62,000 / yr
Stop watching the number go up.
Start watching the years go down.
Net worth is just the byproduct. What you actually want to know is the year you stop needing a paycheck, so that's the number Gentry puts first.
Net worth, this month.
A line that goes up. Then what.
$147,400
▲ up 2.4% since April 1
Watching it climb feels good, but it never tells you the year you get your time back.
+4 days of freedom, earned.
Your FIRE date moved from Aug 18, 2042 to Aug 14, 2042.
+4 days
▲ +143 days bought back since you started
this month's contributions$4,200
market lift on existing holdings+1.8%
Days you can actually point to. Your net worth went up the same month, but that was never the headline.
The three things keeping your number honest.
Set it up once, and the number keeps itself current.
Add your accounts and holdings. From there, Gentry pulls fresh market prices every weekday and logs every dividend so you can reconcile what your broker actually paid out. Your FIRE date moves with today's market, not with your last spreadsheet.
Drag accounts to reorder, group them under Investments and Depository, hide the ones you don't track.
Investments$604,500
Vanguard taxable$318,400
Fidelity Roth IRA$186,100
Robinhood$100,000
Depository$14,260
Chase checking$14,260
The moments you cross a threshold get marked.
Coast FIRE, your first $500k, Lean FIRE. Each one shows up as a dot on your portfolio chart and a notification the day you hit it, so you're not the one who has to keep checking.
your milestones
$100k invested
your first six-figure year
Sep 2024
met
25% to FI
one quarter of the way home
Feb 2026
met
$200k invested
you're 43% of the way there
Mar 2027
Coast FIRE
contributions become optional
Oct 2061
Watch your freedom date pull closer with every dollar.
Each $1,000 contributed slides your FIRE date a little earlier. Gentry shows the new date the instant your transaction posts, so you can see the lift instead of guessing at it.
today
Aug 2042
after $1,000 in
Jul 2042
$604,500 in$1,550,000 to FIRE
your last $1,000 moved FIRE 1 month earlier
Auto-priced holdings
Public market data pulls overnight, so there's nothing to update by hand and no stale tickers sitting in your portfolio.
Dividends, logged honestly
Every payout shows up on the day it was paid. Reconcile against your broker; we don't pretend to know what they did with the cash.
Your data, your control
No brokerage credentials shared, no third-party logins. You enter the holdings; Gentry keeps the prices fresh.
Contribution plans
Set monthly amounts per account. Gentry warns when an IRS limit is in sight.
Your data, onlyno brokerage logins, ever
No ads, everyou pay us, no one else does
Exports first-classCSV / JSON anytime
Demo modewhole product, no signup
Real market datapublic feeds, not estimates
Numbers add upnightly jobs run once, never twice
Pricing
Free While We Build.
Gentry is in open beta. The whole product is free while we ship the rest of the roadmap. You won't pay anything or see a single ad, and your data stays yours.
Today · Open beta
Buy back your time. Free in beta.
$0 while in beta
No credit card and no trial countdown. Track as many accounts as you want, run the projections, and export the whole thing whenever you feel like it.
- Unlimited accounts and holdings
- Auto-priced market data, nightly
- FIRE projections: Coast, Lean, Fat
- CSV and JSON export, anytime
After 1.0
Your freedom date, kept live. $89 a year.
$89 / year or $9 / month
Pricing kicks in when we ship 1.0. Beta closes February 28 2027. We announce the launch date 30 days in advance so nobody is surprised.
- Every feature you have today, still included.
- Log buys, sells, and withdrawals yourself. We handle prices, dividends, recurring contributions, and the FIRE math.
- 30 days notice before any future price change
- Export your data and leave, always
Beta users locked in
Sign up before 1.0 and your account stays free for life.
After-launch pricing is $89 a year (or $9 a month). Your beta sign-up keeps you on the free plan for as long as Gentry runs.
Where the money goes. Market data feeds, nightly cron jobs, hosting, human support, fraud and abuse monitoring. That's what $89 a year per account pays for. You're the customer, which is exactly why we don't have to sell your data to anyone else.
Why isn't it free forever?
Because we can't fake the economics. Servers, market data, support, and the people who build it cost real money. Paying customers keep Gentry running without ads, brokerage referrals, or selling your data. That's the trade we picked.
Do I have to enter every transaction by hand?
Yes and no. Set your accounts up once and Gentry takes it from there for prices, dividends, and any recurring contributions. Buys, sells, and withdrawals you log yourself, at whatever cadence works. Once a month is usually enough, though the right rhythm is up to you. Gentry tracks your progress toward freedom, not your net worth.
What is a FIRE portfolio tracker?
The three we get asked most, answered straight.
What is a FIRE portfolio tracker?
A FIRE portfolio tracker turns your investments into the answer to a different question. Not "how much have I saved" but "how soon can I stop trading my time for a paycheck." Gentry takes your balances, your contributions, and your spending, then shows you the date your portfolio covers the rest of your life.
How is Gentry different from a regular portfolio tracker?
Mint, Empower, and most spreadsheets are built to tell you what you're worth today. Gentry is built around when you can stop working. Your freedom date is the headline on every screen, and every contribution you log pulls it closer.
Is the FIRE portfolio tracker free?
Yes, while we are in open beta. The whole product is free with no card, no ads, and no data resale. When 1.0 ships a small annual price starts for new accounts, and every beta user keeps it free for life.