Household dashboard
Everything you typed, in one view.
Net worth across every currency, what's liquid, where it sits, and how close you are to freedom. Kept current by your monthly check-in.
Financial independence, for money that crosses borders
How much freedom your money actually buys for your life.
fjordFIRE plans your financial independence on your real numbers, across every currency you hold, and shows how a move abroad would change it. Manual entry, no bank logins.
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Free for everyone · No tiers · No ads
If life takes you somewhere
Your money, in any country that might be next.
Pick a destination. See your runway, your FI date, and how much sooner you reach it if your life lands somewhere with a different cost of living. Moving from Norway, the one-time cost of leaving is folded in too, so the date holds up.
160+
currencies
170+
countries
Daily
FX updates
This runs through all of fjordFIRE, from the FI date to the emergency fund. Every account stays in its own currency, converted at daily exchange rates into one picture. Currency-aware math is the default everywhere.
Model the turns your life takes
Put a number on the big decisions.
Your FI date is computed from your real portfolio, across every currency you hold. From there, you model the turns life might take (a career break, a child, a move) as saved plans, and compare them side by side, so the big decisions carry a real number before you make them.
The ritual
Once a month, you sit down with your money.
Apps that sync your bank give you visibility, and that turned out to be the problem: you can see everything and still understand none of it. The check-in is built for awareness instead. Pick a mood. Type each balance. Leave a short note about what was going on. The hour of noticing what changed is the point, and every other view in fjordFIRE updates from what you typed.
Past the single number
Four pillars, four different jobs.
Your net-worth line adds your emergency cash and your index funds into one number, but they are doing different jobs. fjordFIRE scores each job on its own: what protects you this year, what compounds toward independence, what unlocks at pension age, and what a move would cost. You see which part of your security is solid and which needs work.
Protect
Your safety net, measured in months of runway, with its own target so it doesn't disappear into the bigger number.
Growth
The growth accounts that move your FI date. Liquid or illiquid, this is the pillar that compounds toward independence.
Retire
Pensions and locked retirement accounts. They count toward net worth, but they don't shorten your countdown until you can touch them.
Move
How many months your liquid assets carry you in any country you pin, at that country's own cost of living.
Also inside
Smaller surfaces, same standard.
There’s more to fjordFIRE than four pillars and a FIRE date. Here’s some of the rest.
Spending profiles
What you'd really pay if income stopped.
Tag each expense as essential or optional. The split feeds Emergency Fund and FI math, so the safety net reflects what would need covering.
Emergency Fund
Your runway, sized correctly.
Months of essential expenses, multi-currency aware. Alerts you before you cross a threshold, while there is still time to act.
Net Worth Insights
The metrics a careful investor would expect.
Best period, worst period, volatility, CAGR, time to double. Investment-grade analysis applied to your real household numbers.
Goals
Concrete things you're building toward.
Multi-currency savings targets with concentration warnings if too much weight lands in one account.
Pensions
Locked accounts that still count.
Projected post-tax monthly income at access age. Cross-border pension math respected.
Academy
Lessons that ship with fjordFIRE.
Thirty short courses inside fjordFIRE, with calculators embedded throughout.
Privacy mode
One click, every number goes quiet.
For shared screens, train tables, friends peeking. Charts stay, figures go.
Odin
A second opinion, when you want one.
A European-model AI that reads your real numbers, answers what you ask, and stays quiet otherwise. Off by default.
The privacy architecture
These aren’t just promises. They’re built in.
fjordFIRE started as our own household spreadsheet: Norwegian salaries, family abroad, money in three currencies. We built it for ourselves first, so the privacy went into the architecture.
It is also why it is free. fjordFIRE is funded out of pocket and non-commercial, with no investors waiting on a return, which is the part that makes the rest of this believable. More on that in the FAQ.
If you would rather check than take our word for it, the security reference names the actual mechanisms: algorithms, providers, what each one receives, and where it runs.
No bank logins.
The architecture has no path to your accounts. Manual entry, by design.
Yours to take.
Full export as JSON or CSV, from day one. Leave any time, and it comes with you.
No data sold.
Not to advertisers. Not to brokers. Not to “partners.” No surveillance economy.
No AI training on your data.
The in-app AI (Odin) is sent a derived snapshot, not your ledger, and nothing you say to it trains a model.
What changes
The moments it’s built for.
Most months, nothing dramatic happens. The picture matters when something does.
Take the career break, knowing what it costs in years before you commit.
Say yes to the job in another country, with the runway already priced.
Support a parent for a year without guessing what it does to your date.
Or just close a check-in knowing you're okay if life changes shape.
Open to everyone · Free
See what a move, a break, or financial independence looks like on your numbers.
For a few months, a handful of households used fjordFIRE with real money across different currencies. Their feedback shaped it. It is open to everyone now, free.