What's New

Feature updates, improvements, and new capabilities we're building into PathToFIRE to help you plan your financial independence journey with confidence.

New

Expense Insights & Visualizations

Compare your spending across months with interactive charts. See exactly where your money goes, how categories trend over time, and whether you're staying within your budget forecast.

  • Side-by-side month comparison with horizontal bar charts
  • Category filters to focus on spending areas that matter
  • Actual vs Forecast heatmap across all categories and months
  • Percentage-of-budget indicators on every cell
  • Detailed comparison table with change tracking
New

Multi-Card Bank Statement Support

Upload credit card statements from the same bank for different family members. The system auto-detects the card's last 4 digits and remembers each password separately — no more typing the same password twice.

  • Auto-detect card last-4 digits from parsed statement data
  • Save and retrieve passwords per card, not just per bank
  • Try all saved passwords automatically when opening statements
  • Manage individual card passwords in Settings
New

Credit Card Tracker

Track all your credit cards in one place. Monitor limits, outstanding balances, due dates, and utilization percentage. See balance history over time to spot trends.

  • Card limits, outstanding balances, and utilization percentage
  • Payment due date tracking with visual indicators
  • Balance history charts to spot spending trends
  • Family member allocation per card
New

5-Year Cashflow Projection

See your complete financial picture over the next 5 years. Income, expenses, property capital events, and net position — all projected using your budget and forecast data.

  • Annual income and expense projections for 5 years
  • Property sale capital events included automatically
  • Monthly average expense breakdown per year
  • Linked directly to your Budget & Forecast items
New

Stock Portfolio with Live Pricing

Track your stock portfolio with real-time market data. Add holdings, record buy and sell transactions, and see your portfolio value update automatically with live prices.

  • Real-time stock price integration
  • Buy/sell transaction history per ticker
  • Portfolio-level P&L and allocation breakdown
  • Statement upload support for bulk import
New

Life Events Planning

Model major life events — weddings, births, relocations, career changes — and see how they impact your FIRE timeline and financial projections over the years.

  • Add events with dates and expected financial impact
  • Automatic integration with cashflow forecasting
  • Visual timeline of planned life milestones
Improved

FIRE Calculator with Monte Carlo Simulation

Calculate your Financial Independence Retire Early date with sophisticated Monte Carlo modeling. Account for market volatility, inflation, and different scenarios to understand your probability of success.

  • Monte Carlo simulation with 10,000+ scenarios
  • Adjustable inflation and return rate assumptions
  • Multiple withdrawal strategy options (4% rule, variable, etc.)
  • Probability-based confidence levels for your FIRE date
Improved

Property & Real Estate Tracking

Comprehensive property management with payment plans, rental income, mortgages, and analysis. Track multiple properties with ownership percentage support for joint investments.

  • Payment plan tracking with installment schedules
  • Rental income and mortgage integration
  • Rent vs Buy calculator for decision making
  • Auto-sync property installments to your forecast
Improved

End-to-End Encryption

All your financial data is encrypted with AES-256-GCM before it leaves your device. Your data stays private — we built a zero-knowledge architecture so even we can't read your information.

  • AES-256-GCM encryption for all sensitive financial data
  • Client-side encryption before any network sync
  • PIN-protected vault access
  • Zero-knowledge architecture — your data, your keys

Ready to take control of your finances?

PathToFIRE is a privacy-first, offline-capable wealth planning system. Start modeling your financial independence journey today.

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