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.
The question you carry quietly.
How much freedom your money actually buys for your life.
fjordFIRE was built around that question. Especially when what you have refuses to live in one currency or one country.
June 2026 check-in complete
6-month streak. Both members in.
Ask Odin
“Your savings did the lifting this month. FX gave back a little. Net: solid.”
Relocation runway
13 years in Bali. Excellent.
The choice underneath
Most tools optimise for visibility.
fjordFIRE optimises for awareness.
Visibility is seeing everything. Awareness is understanding what you’re seeing. Most software in this category quietly optimises for the first. We built fjordFIRE for the second. The difference shows up in every choice we made next.
Why this product is the shape it is
fjordFIRE started as our own household spreadsheet. Norwegian salaries, families in other countries, money trying to live in three currencies at once. Every app we tried broke. So we built the version that wouldn’t. Manual entry, monthly ritual, four pillars instead of one number. Not because we wanted to ship software. Because we wanted to know how much freedom what we’d built had actually bought us.
The ritual
A ritual, not a chore.
Once a month, you sit down with your money. Pick a mood. Type each balance. Leave a short note about what was going on. Every other view in the product updates from what you typed.
Past the single number
Four pillars. The picture net worth hides.
A dollar protecting your runway does a different job than a dollar compounding toward FI. fjordFIRE separates them: each with its own score, target, and meaning.
Protect
Your safety net in months of runway. Tracked as its own pillar so it stays a target, not lost in a 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, not your home one.
When the salary becomes optional
Years to freedom, on your real numbers.
Your FIRE portfolio (Financial Independence, Retire Early), your real expenses, your real returns, your real currency mix. Recalculated every month, with a thousand simulated futures behind every estimate.
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.
160+
currencies
170+
countries
Daily
FX updates
This runs through the whole app, not just relocation. Every account stays in its own currency, converted at daily exchange rates into one honest picture. Currency-aware math is the default everywhere, not an add-on.
Awareness, on demand
Sometimes awareness needs a thinking partner.
Odin is the companion you can ask. Reads your real numbers, not the internet. A European AI that answers when you ask, and stays quiet when you don’t. Off in settings any time.
Odin sees a limited view of your household: net worth, FI progress, last check-in. That’s it. Your accounts and history stay on your side.
How is our Move pillar looking right now?
Strong. Bengaluru gives you 16 years 4 months of runway, well above your 24-month target. Bali sits at 13y 6mo, Valencia at 6 years. Bengaluru is also your fastest path to FI, under a year away.
The privacy architecture
These aren’t just promises. They’re built in.
The philosophy is structural. Each commitment below is enforced by how the product is built, not by how we talk about it.
No bank logins.
We can't read your accounts because the architecture has no path that would. Manual entry by design.
Yours to take.
Self-service JSON and CSV export, from day one. Cancel, downgrade, or step away. It's still yours, and we tell you before any cleanup.
No data sold.
Not to advertisers. Not to brokers. Not to “partners.” No surveillance economy.
No AI training on your data.
Odin reads a snapshot, not your ledger. Your conversations don't train any model.
What you’ll know
Quiet questions, clear answers.
A few of the quiet questions our households and singles carry:
01
“Could I take six months off?”
You'll know months of runway, in the currencies you spend.
02
“When can work actually become optional?”
You'll know years to FI, on your real expenses and currency mix.
03
“Should we move closer to family?”
You'll know your runway in any country, at its real cost of living.
04
“Where is my money actually working?”
You'll know each pillar's score, and the one that needs the next move.
Also inside
Smaller surfaces, same standard.
The product is more than four pillars and a FIRE date. Here’s what else lives in the app.
Emergency Fund
Your runway, sized correctly.
Months of essential expenses, multi-currency aware. Alerts you before you cross a threshold, not after.
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 the product.
Thirty short courses inside the app, with eight calculators embedded throughout.
Privacy mode
One click, every number goes quiet.
For shared screens, train tables, friends peeking. Charts stay, figures go.
Waitlist open · cohorts onboarding
If this sounds like the freedom you’ve been quietly asking for.
Drop your email. No card. No commitment. We onboard households and individuals in small cohorts, and read every reply.