Turn Your FIRE Assets Into a Monthly Spending Number

Why plan in months?

FIRE plans are often discussed in annual terms, while groceries, housing, travel, and personal decisions happen month by month. An annual target can be useful, but it does not always answer the immediate question: how much can I plan to spend this month?

FIRE Paycheck is built around a simple monthly check-in. You enter your current asset values, choose your own withdrawal-rate planning parameter, and use the resulting amount as a planning number. It is deliberately not a daily expense tracker, so there is no need to enter every transaction.

From a withdrawal rate to a monthly amount

The app uses a clear planning formula:

For example, a person with $900,000 in FIRE assets using a 4% planning rate would see $3,000 per month. The number is a way to organize a plan, not a promise about what markets will do or what anyone should spend.

Update once, then carry on

Set up your accounts and categories once. At the next monthly check-in, prior values carry forward so you only edit what changed and save a snapshot. That makes it practical to revisit a plan without turning it into a full-time spreadsheet project.

Private, manual planning

FIRE Paycheck is local-first. It does not connect to your bank or fetch market balances. You decide what values to enter and when to update them. The result is a personal planning view on your iPhone rather than financial advice.