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.
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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.
Type in your accounts and holdings, or connect a brokerage and Gentry fills them in for you. 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
You enter the holdings and Gentry keeps the prices fresh. No linking required, and no credentials to hand over.
Contribution plans
Set monthly amounts per account. Gentry warns when an IRS limit is in sight.
Your data, your callno linking required
No ads, everyour data isn't the product
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
What It Costs.
Gentry is free while it is in beta. What comes after is not decided yet, and we would rather say that than make up a number. No card, no ads, and your data stays yours to take with you whenever you want.
What you get.
- Unlimited accounts and holdings
- Auto-priced market data, nightly
- Brokerage connections
- FIRE projections: Coast, Lean, Fat
- What-if planning: spending, returns, retirement age
- Dividend tracking and milestones
- Contribution room and employer match
- What moved your net worth, month by month
- Plain answers about what you hold
- Two factor authentication
- CSV and JSON export, anytime
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Why we can do this. One market data feed serves everybody, so adding you to it costs us close to nothing. That's the whole trick. No ads, no brokerage referrals, nobody buying your data.
What's the catch?
There isn't one, and the reason is boring: Gentry runs on a shared price feed that costs roughly the same whether ten people use it or ten thousand. Your data isn't the product, there are no ads, and we don't take brokerage referrals. Track what you want and export it whenever you feel like it.
Do I have to enter every transaction by hand?
Not if you connect the account. Gentry reads your holdings from the broker and works out what changed since yesterday. For accounts you keep by hand, set them 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.
What does the FIRE portfolio tracker cost?
Gentry is free while it is in beta, with no card, no ads, and no data resale. What it costs after that is not decided yet. Track as many accounts as you want, run the projections, and export the whole thing whenever you feel like it.