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fjordFIRE
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What we shipped

The changelog.

Real dates. What changed and why, in plain English. This is what we've shipped since December 2025.

How we build

fjordFIRE keeps taking shape as we go: from using it ourselves every month, from what we read in the communities where people plan money across borders, and from sitting with the places the math and the experience still fall short. As the private beta remains open, the people in it shape what comes next.

  1. Shipped

    Turn a milestone into a card you can share.

    Reaching a milestone now comes with an optional card you can share or download: FI progress markers, Coast, Barista, Lean and Fat FI, debt-free, a fully funded emergency fund, a year of runway banked, a goal met. Pick a format (landscape, story, or square) and a design. It stays privacy-safe: milestone cards carry no amounts, your name is optional, and a “current state” card only shows a figure like net worth if you deliberately turn it on. Everything renders in the fjordFIRE brand.

  2. Shipped

    Model the life events that bend your FI date.

    A new “Life happens” section on the FIRE page lets you add the real things that move a plan: a pay change, a career break, a new child, a home purchase, an inheritance or windfall, or something custom. A month-by-month projection shows how each one shifts your financial-independence date, which the standard textbook formula cannot express. Save named scenarios and compare them against your baseline side by side.

  3. Shipped

    Import your accounts from a spreadsheet.

    Bring accounts in from a CSV file or by pasting a table. Three steps: choose your source, map your columns (fjordFIRE suggests the mapping and flags problem cells as you go), then review exactly what will happen before anything is written: new accounts, balance updates, and any conflicts. Applying is all-or-nothing, and any import can be undone. When you give a currency, fjordFIRE resolves the country sensibly instead of guessing wrong.

  4. Shipped

    Explore fjordFIRE with a sample household first.

    You can now walk through a fully lived-in household before entering a single number of your own. Choose from several sample households at different stages, from someone just getting started to a couple almost financially free, spanning several currencies and countries. Everything is read-only, and you can leave and return to your own data whenever you like.

  5. Improved

    FI math now knows when your pension unlocks.

    Your headline FI progress and years-to-FI count your Growth assets plus only the pensions that unlock by your target retirement age. Pensions locked past that age move to a separate “including pensions” total, so the main number reflects money you could actually retire on today. History charts follow the same rule, so today's figure no longer jumps at the boundary between history and live.

  6. Shipped

    Committing a check-in now produces the full picture of what changed.

    The post-commit screen used to be a confirmation that produced a number. Now it shows a headline change in net worth, a per-currency breakdown of what each currency contributed, per-account edits sized by their impact, and pillar cards showing how the picture changed across FI, emergency fund, relocation, and goals. Every committed check-in is saved as a frozen snapshot you can reopen any time, with the exchange rates from the day you committed kept intact.

  7. Improved

    Each household member's check-in is its own event now.

    Multi-member check-ins used to wait for everyone before computing. Now each member's check-in is its own independent event with its own snapshot. Submit when your salary lands. Your partner submits when theirs does. History shows each contribution distinctly, each clickable to reopen the view it produced.

  8. Shipped

    Odin's answers ground in your real, current numbers.

    Every Odin reply now starts from a fresh snapshot of your household: net worth, FI progress, savings rate, emergency-fund months, top accounts, last period's movement. Currency tags are consistent across every tool Odin can call, so the household's primary currency stays the primary currency wherever a number appears. The chat itself gained a sources footer telling you which data went into each answer, a copy button on every reply, and clear running/done/failed states for tool calls.

  9. Shipped

    First internal financial-correctness audit completed.

    Twelve-category line-level review of every formula, FX path, inflation handling, edge case, and consistency check across the product. A handful of findings came back and have all been patched (the substantive ones have their own entries below). Future audits run on a regular cadence.

  10. Shipped

    The AI assistant has a name: Odin.

    The in-app AI is now called Odin. Norse god of wisdom, foresight, and observation, which is what a system watching a household across currencies, countries, and time is being asked to do. Plus a household-admin master switch, so the AI can be turned off entirely at the household level.

  11. Improved

    FX attribution is now consistent between the dashboard and the per-account view.

    Two slightly different decomposition methods existed in different surfaces, producing reconcilable but visibly different numbers. They now use the same method, so the same household snapshot looks the same wherever you see it.

  12. Shipped

    The four pillars, finalised. Move becomes a capability metric.

    The product now has three funded pillars (Protect, Growth, Retire) and one capability metric layered across all three: Move, which tracks how many months your liquid wealth would carry you in your pinned destination. Plus a new FI-in-destination scenario: ask not just “when can I retire?” but “when can I retire and live in Lisbon?”

  13. Shipped

    Per-country cost-of-living and per-country inflation, both cached.

    The Relocation Planner now converts your liquid assets into honest months-of-runway in any destination using country-specific cost data. Foreign-currency goals and household defaults use the right inflation rate for where the money has to spend.

  14. Shipped

    Lean and Fat FI, plus viewer-role seats for household members.

    FIRE math gained editable Lean and Fat multipliers. The household member system gained a hard-enforced viewer role: read-only across every dashboard page, suitable for an accountant or family member who needs to see but not change.

  15. Shipped

    Pensions, what-if simulators, and a drawdown view.

    Pension accounts became first-class: access age, employer contributions, projected balance, projected post-tax monthly income at retirement. The relocation and emergency-fund pages each got their own what-if simulator. The net-worth trends page gained a drawdown view, a trailing 12-month line, an inflation benchmark, and per-period bands.

  16. Shipped

    Multi-owner accounts and goals.

    Accounts and goals can now be split between multiple household members with explicit ownership percentages. Per-member views correctly reflect joint vs sole assets across FIRE math, snapshots, and progress on goals.

  17. Shipped

    Per-member FIRE engine and household-collaboration step-change.

    FIRE math goes per-member as well as per-household: each member can override their own birth year, target retirement age, withdrawal rate, expected return, and expense share. Plus a host of collaboration upgrades: per-member snapshots, partner notifications, monthly notes, per-member chart lines, and configurable check-in reminders.

  18. Shipped

    Install fjordFIRE to your home screen.

    fjordFIRE installs as a Progressive Web App on iOS and Android, with a manifest, maskable icons, and an iOS install banner. Same product, no app stores. Same release cadence as the web app.

  19. Shipped

    The fjordFIRE Academy.

    Three tracks (Foundations, Expat Edge, FI Path), schema for academy plus check-in insights, and the first courses written. The Academy is the in-app library of plain-English lessons that ships at every tier: real teaching, calculators embedded inline, no upsell.

  20. Shipped

    Husholdning becomes fjordFIRE.

    Up to this point the project was Husholdning (Norwegian for “household”): an in-house tool, originally built to solve a multi-currency expat life. Around mid-March it became clear the same problem was a real one for a lot of people whose lives cross borders, not just one household. Time for a name worth growing into.

  21. Shipped

    FX attribution and currency-exposure depth.

    Net-worth trends gained an FX-attribution view that decomposes contributions into the part you organically saved versus the part the currency moved. A constant-currency chart series shows what the picture would look like if rates had stayed flat. Currency exposure became a stacked-area chart over time.

  22. Shipped

    Backstop and Goals, end to end.

    The emergency fund (Backstop) became its own pillar: dashboard widget, settings page with alert thresholds, and history. Goals got a full system in parallel: contributions and milestones, dashboard cards, account-allocation widget, and concentration-risk analysis. The day fjordFIRE stopped being about tracking net worth and became about shaping the whole plan.

  23. Shipped

    Privacy mode across the app.

    A toggle that obscures every sensitive number on every page in one click: dashboard widgets, FIRE, Relocation, Goals, Interest, account cards, check-in summary. Charts and structure stay; the figures behind them go quiet. Useful for the moments when someone walks past your screen, the train table is full, or a friend wants to see how the dashboard looks without seeing your numbers.

  24. Shipped

    Households became the central unit. The Monthly Check-in became the primary surface.

    Create a household, invite a partner, manage members and roles. The Monthly Check-in, the central ritual fjordFIRE is built around, became the main flow. Relocation gained a dual liquid-vs-total view. Currency-impact tracking landed for multi-currency households.

  25. Shipped

    Comprehensive audit trail with tamper-evident integrity.

    Every write to your data goes into an append-only audit log. Each entry is cryptographically bound to the previous one, so any tampering anywhere in the history is detectable. You can view the log, run a one-click integrity check, and export it as CSV or JSON. Built in from day one, not bolted on later.

  26. Shipped

    fjordFIRE begins.

    First commits. Database schema, dashboard, account types, real-estate liquidity tracking, responsive layout. Built in private as an in-house tool we needed ourselves. Three months later it would become a product.