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🔒 100% Private · Runs on Your Computer · No Accounts · No Internet Required

Retire on Dividends.
Know Exactly When.

Model your path to dividend-based financial independence. Import your portfolio, adjust your assumptions, and see your FIRE date — without sending a single number to any server.

↓ Download Free See how it works

✓ No account required ✓ No data ever leaves your device ✓ Works without internet after download ✓ Free forever

Privacy First

We can't see your data.
Technically impossible.

Your portfolio is the most sensitive financial information you have. We designed this tool so that sharing it with us is structurally impossible — not just a policy.

🖥️

Runs entirely in your browser

Every calculation — projections, FIRE dates, reallocation analysis — happens in JavaScript on your device. The code runs locally, not on a server.

💾

Stored only in your localStorage

Your imported holdings and settings are saved in your browser's localStorage — the same place a website remembers your dark-mode preference. Only you can access it.

🚫

Zero outbound data requests

No analytics. No telemetry. No "anonymous" usage data. The only external requests load Chart.js and nothing else. Your ticker symbols, share counts, and values never leave your machine.

🔍

Verify it yourself

The entire app is a single HTML file. Right-click → View Source and read every line. There's nothing hidden, no minified bundles, no obfuscated tracking code.

The data flow looks like this:

Your Robinhood PDF or holdings CSV

→

Your browser

→

Your localStorage

Any server

Not even the people who built this tool can see your portfolio. There is no backend to breach, no database to subpoena, no breach to disclose.

Features

Everything you need to plan
dividend-based retirement

Built for investors who want to live off dividends — not withdraw principal.

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FIRE Date Projection

Monthly compounding model shows exactly when your dividend income will cover your expenses. Adjust your target retirement age, yield, or contributions and every number updates instantly.

🎲

Monte Carlo Confidence Bands

150 simulated scenarios with randomised yield, growth, and dividend growth rates show the realistic range of outcomes — not just a single optimistic line.

♻️

DRIP Modeling

Toggle dividend reinvestment on/off to see the compounding difference. Both scenarios plot side-by-side so you can see the exact cost of taking dividends as cash pre-retirement.

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Multi-Brokerage Import

Drag and drop your Robinhood PDF or a holdings CSV from Schwab, Fidelity, Vanguard, or E*TRADE. Import separately into Taxable, Roth IRA, and Traditional IRA accounts — merged into one view.

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Dividend Growth Per Holding

Projects each position's income at +5, +10, and +15 years using historical CAGR — distinguishing compounding growers like SCHD from fixed-yield covered-call ETFs like JEPI.

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Reallocation Insights

Ranked suggestions for your actual holdings — which positions to shift, what to shift them into, and exactly how many months earlier you could retire as a result.

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What-If Simulator

Sell $X of one position and buy another — see the immediate impact on blended yield, annual income after tax, and FIRE date before committing a single dollar.

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Tax Location Guide

Flags covered-call ETFs and REITs held in taxable accounts where their ordinary income distributions are inefficient — with estimated annual tax drag in dollars.

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Milestone Badges

Earn badges as you cross income and portfolio milestones — $100/mo in dividends, $100K portfolio, 50% FIRE covered, and more. Progress persists between sessions.

How it works

Up and running in four steps

No account. No installation. Just open it in your browser and upload your statement.

🖥️ First time? Here's how to get started — takes about 60 seconds

Click "Download Free"

A file called FIREMe.zip saves to your Downloads folder. Unzip it and open FIREMe.html — no installer, no setup wizard.

→

Double-click the file to open it

It opens in your browser (Chrome, Safari, Firefox, or Edge). You'll see the tracker dashboard immediately — no login, no loading screen.

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Upload your holdings and go

Click "Upload/Update Holdings", drop in your Robinhood monthly PDF or brokerage CSV, and your FIRE date appears in seconds.

✓ No installer, no app store, no admin password, no sign-up. One file that runs entirely in your browser — no internet needed after download.

Get your brokerage statement

Download your latest account statement — takes about 30 seconds from any major platform.

Robinhood (PDF): Tap the person icon → Statements & History → Monthly Statements → tap your latest month to download the PDF.

Schwab / Fidelity / Vanguard / E*TRADE: Go to Accounts → Positions → Export or Download as CSV.

Upload your holdings

Click "Upload/Update Holdings" in the top-right of the app. Drag your PDF or CSV into the window — or click to browse for the file.

The app reads your ticker symbols, share counts, and market values automatically and looks up dividend yields. Review the preview, then click Apply Import.

Set your assumptions

Enter your current age, retirement target, and monthly expenses. Adjust the growth, inflation, and tax sliders to match your outlook — defaults work fine to start.

Explore your FIRE date

Six tabs give you the full picture: portfolio projections with Monte Carlo bands, a monthly dividend calendar, holding-by-holding income growth forecasts, what-if trade simulations, tax location guidance, and milestone badges that track your progress over time.

Product Preview

See it in action

A full-featured retirement planner that runs entirely in your browser.

fireme.app · Dashboard

FIREMe dashboard showing portfolio KPIs, FIRE date banner, dividend coverage progress bar, and holdings table

Portfolio Dashboard Your FIRE date, dividend coverage, and full holdings at a glance — updated live as you move any slider.

fireme.app · Projections

FIREMe projections chart showing portfolio growth with DRIP vs without DRIP over time

30-Year Projection + Monte Carlo Bands Side-by-side DRIP comparison with a shaded uncertainty range (10th–90th percentile) so you can see the realistic spread of outcomes, not just one line.

fireme.app · Insights

FIREMe insights tab showing ranked optimization suggestions and reallocation roadmap

FIRE Optimization Insights Ranked, specific recommendations based on your actual holdings — with exact dollar amounts for each suggested shift.

fireme.app · Import Holdings

FIREMe CSV import modal with drag and drop zone and holdings preview table

One-Step Import Drop your brokerage CSV, preview every detected position, then apply. The entire process takes under 30 seconds.

FAQ

Common questions

Do I need to create an account?

No. There are no accounts, no sign-up, no email address required. Open the app and start using it immediately.

What happens to my data if I close the browser?

Your imported holdings and all slider settings are saved automatically to your browser's localStorage. They'll be right there when you reopen the app in the same browser.

How do I know my data isn't being sent anywhere?

The entire app is one open HTML file — View Source and read it. You can also open your browser's Network tab while importing a CSV and watch: zero outbound requests are made with your financial data.

What if my brokerage isn't listed?

Any CSV with a Symbol or Ticker column will parse correctly. The brokerage detection is just for display — the parser works on column content, not file origin.

How often should I re-import?

Monthly is ideal. Your share counts drift up with DRIP, prices change, and dividends vary. A fresh import each month keeps your FIRE projection accurate.

Why are some dividend yields shown as "unknown"?

The app includes a built-in yield database for ~80 common dividend stocks and ETFs. Tickers outside that list show as unknown — you can edit them manually in the Holdings tab after import.

Does this work offline?

Almost entirely. Charts require Chart.js from a CDN on first load. Once cached by your browser, the app functions fully offline.

What is the Monte Carlo band on the chart?

It's a shaded uncertainty range built from 150 simulated scenarios with randomized yield, growth, and dividend growth inputs. The blue band shows the 10th–90th percentile spread — the DRIP line you see is the base-case, not a guarantee.

Can I track multiple brokerage accounts?

Yes. Import holdings into separate accounts — Taxable, Roth IRA, or Traditional IRA. The Holdings tab lets you filter by account, and the Insights tab flags which holdings are in tax-inefficient locations.

What are the milestone badges?

Small achievements that unlock automatically as your portfolio grows — things like crossing $100/mo in dividends, reaching $250K in portfolio value, or hitting 50% FIRE coverage. They persist in your browser and a toast notification pops when you earn a new one.

Why We Built This

A tool we wanted.
So we built it.

Most retirement planning tools ask you to hand over your most sensitive financial data to a server you don't control, behind an account you have to maintain, run by a company whose business model you have to trust.

We wanted something different. A tool that does the hard math — monthly compounding, DRIP modeling, Monte Carlo uncertainty bands, per-holding dividend growth — but keeps every number on your machine, in your browser, under your control.

FIREMe started as a personal spreadsheet problem. Tracking dividend income across multiple brokerages, projecting a realistic FIRE date, and answering the question "what if I shifted X into a higher-yield position?" — none of the existing tools did all of that without an account, a subscription, or a privacy policy worth worrying about.

So we built one. It's a single HTML file. You can read every line of it. Your portfolio never leaves your device. The goal was simple: give dividend investors the clearest possible view of when they can stop working — for free, forever, with zero strings attached.

Retire on Dividends.
Know Exactly When.