FireLotse

FIRE planner for Germany

Build wealth.
Live life.
Don't wait.

FireLotse shows you when your wealth will cover your expenses for good – and what you may already allow yourself along the way.

Made for life in Germany – German taxes, health insurance and pension rules built in. For locals and expats alike.

Start for free Try the demo
Open app

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  • No sign-up
  • 100% local
  • Free
Your milestonesSample profile

You set your own milestones – to match your goal.

€9,0006 months of expenses Emergency fund complete“Your safety net is in place.”
€100,00015% of your goal 1 month off“You may take a month off.”
€350,000≈ Coast FIRE 4-day week 37% “You may switch to a 4-day week.”
Not a portfolio tracker
Not a budgeting app
Your life-design tool for the big picture

How it works

Your FIRE roadmap in three questions

FIRE stands for Financial Independence, Retire Early: being financially free and deciding for yourself how much you work. FireLotse turns your numbers into a roadmap.

1
Distance – how far is it?
Your target capital, based on your real expenses – and how much of it you already have.
2
Pace – what drives you?
Savings rate and return – and whether you're still pedaling or compound interest has taken over.
3
Time – when do you arrive?
Your calculated FIRE age compared to your target age.
Your FIRE roadmapSample profile
Distance · Target capital €128,000of €678,229
Pace Savings rate
€500/mo Return 6.2% p.a. · 4.2% real
Time · Arrival at 64 in 28 years 9 years aftertarget age 55

Sample calculation with the FireLotse logic: same expenses, only the savings rate changes.

Features

The strategic layer above your finances

Three wealth building blocks

Safety, return, high-risk – a bird's-eye view instead of 50 categories.

Milestones as permission

Every milestone you reach unlocks something – a sabbatical, a 4-day week, the big trip.

Built on German rules

Flat capital gains tax, partial exemption, public health insurance and the basic tax allowance – all factored into your withdrawals.

Simulation with volatility

Monte Carlo instead of a crystal ball: how robust is your plan when markets don't play along?

Plan for life events

Inheritance, buying a home, parental leave: see how big moments shift your roadmap.

Import from Parqet & Portfolio Performance

Your portfolio stays in your tracker – FireLotse only takes the totals for planning.

Not one more year

“The goal isn’t to die with the most money – but with the most experiences lived.”

Core idea from “Die with Zero” by Bill Perkins

Many on the path to FIRE keep working “just one more year” – again and again. FireLotse shows you when enough is enough.

100% local.
100% private.

Not a single number ends up on a server. Everything stays on your device.

  • No accountNo sign-up, no email needed.
  • No uploadsYour financial data belongs to you alone.
  • Stored in your browserAlso works offline as an app.
  • Your backupExport to a file or sync with Dropbox/OneDrive.

FIRE knowledge

Key terms, simply explained

All 78 terms
FIRE numberHow much is enough?4% ruleHow much can you withdraw?Coast FIREWhen saving becomes optionalHealth insurancePublic insurance after FIRE

When will you be free?

Your first roadmap in a few steps – or explore with sample data first.

Start for free Try the demo
Open app

Welcome back – your profile is stored in this browser.