We’ve been there
Does any of this sound familiar?
Net worth is one number. It hides the truth.
It tells you what you have. It doesn't tell you if your safety net is sized correctly, whether you're on track for financial independence, or how long you could actually survive a career change. One number hides four very different financial realities.
Most finance apps were built for a life you don't live.
If you earn in one currency, save in another, and have family obligations in a third country, every mainstream app quietly breaks. Multi-currency isn't an edge case for globally mobile people. It's the entire problem.
A spreadsheet gives you a number. Not an answer.
You can build an FI projection in Excel. But it's static. It doesn't update itself each month, explain what changed and why, or tell you what to do next. You end up with a number you don't fully trust.
“We built fjordFIRE because we lived every one of these.”
Norwegian salaries. International families. Finances spread across three countries. Emergency funds we couldn’t size correctly. We tried every app and ended up with five spreadsheets, and still couldn’t clearly answer the one question that actually mattered: am I on track for FI?
So we built a monthly ritual, not a live feed of your transactions. You sit down once a month, enter your own numbers, and get the complete picture. No bank access. No surveillance. Just clarity, earned by the act of paying attention.
The framework
Four pillars. One honest picture.
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 with its own target, not lumped into your investments.
Growth
The liquid accounts driving you toward financial independence. The pillar that moves your FI date.
Retire
Pensions and locked accounts projected to access age, converted to monthly income, post-tax, inflation-adjusted.
Move
How many months your liquid assets carry you in any country you pin, at that country's own cost of living.
Who it’s for
Two kinds of saver. Same product underneath.
If you live across borders
Salary in one currency. Life in another. Family in a third.
Multi-currency from the ground up. Daily exchange rates, FX attribution that separates real saving from currency noise, per-country inflation, and cost-of-living-aware relocation runways. The cross-border specifics are the default, not an edge case.
Salary in EUR · life in NOK · family obligations in INR · one dashboard.
If you’re building in one place
One country. One currency. One honest monthly view.
Every feature works identically with a single currency: pillars, FI projections, goals, safety-net tracking, household sharing. The international layer stays out of the way until you need it. No bank login. No surveillance.
Earn, save and spend in one place. The product is just as useful.
Free during early access · No credit card required