New in 6.0 · beta
When could your income cover your life?
Outflow already knows what you pay for every month and what arrives. The FIRE goal puts the two together: set the least a month needs to cost, choose which income counts, and see how far one is from covering the other, and roughly when it could. From your own figures, on your device, with no bank login.
Get Outflow free on the App Store
Outflow 6.0 is in testing now. The FIRE goal is a beta inside it, switched on in Settings › Beta.
Try it with your own figures
This is the same arithmetic the app runs, so you can see what the card would say before you install anything. Nothing you type leaves this page.
A projection from your own figures, not financial advice.
Would you use this? One tap. It goes straight to the person who builds Outflow.
Not another app. A card where you already look.
FIRE calculators ask you to type your expenses and income into a form, then forget them. Outflow doesn't have to ask. Your subscriptions are the floor of what a month costs; your inflows are what arrives. The FIRE card sits in Trends, under the chart of monthly in and out, and updates as the real figures change: a price rise, a cancelled subscription, a new dividend.
It is three settings and nothing else. A monthly minimum, with a button to use your current outgoings. A toggle on each inflow for whether it counts. And a switch to show the card at all, because it is a beta and you may not want it.
What the card says, and why
- How much of the minimum is covered. Counted income this month, divided by what a month needs to cost. That is the big number and the bar.
- Roughly when it could be covered. A straight line through the counted income of the months Outflow has, up to twelve, read off at your minimum. Anything past fifty years is called "not on track" rather than a date.
- The caveat, on the card. "A projection from your own figures, not financial advice." It stays. Outflow does not know about your savings, tax or markets, and will not pretend to.
Private by construction
Outflow has no server, no account and no bank login. Its App Store privacy label is Data Not Collected, and the FIRE card changes none of that: it is worked out on your device from numbers you already entered. Pro is a one-time purchase, never a subscription, and the FIRE goal is part of the free app.
Questions
What does FIRE mean?
Financial independence, retire early. The idea is that when income you don't have to work for covers what your life costs, work becomes optional. Outflow's version is deliberately simple: it compares a monthly minimum with the income you choose to count.
Why "the least a month needs to cost" rather than a FIRE number?
Because a monthly floor is something you can check against real bills, and Outflow already has those. A FIRE number (25 times annual spending, or whatever rule you prefer) depends on assumptions about withdrawal rates and markets that the app has no business making for you.
Does it count my salary?
Only if you let it. Each inflow has its own toggle. Most people switch a salary off, since the point is to see what covers life when the salary stops.
Where is it?
Trends tab, under Monthly in & out, once you switch it on in Settings › Beta › FIRE goal. It is in Outflow 6.0, which is in testing now; this page will say when it is on the App Store.
Get Outflow
Free for up to 5 subscriptions. 6.0, with the FIRE goal, is in testing now and arrives as a free update.
Get Outflow free on the App Store
No bank login. No account. Nothing leaves your device.