Wealth Path is a net worth tracker and FIRE planning app for iOS and Android. You enter your assets and debts by hand — it never connects to your bank — and it turns them into dated predictions: when you can retire early, when you reach Coast FIRE, when you will be debt-free, and when your portfolio hits the milestones you set.
It is built for people working toward financial independence who want to see when they will get there, without linking their bank accounts. Every formula behind those dates is published on this site.
Key facts
- What it is
- A net worth tracker and financial independence (FIRE) planning app.
- Platforms
- iOS (iPhone) and Android. There is no web or desktop app.
- How data gets in
- You enter assets and debts yourself. Wealth Path never asks for bank logins and does not connect to bank accounts.
- What it predicts
- 11 predictions, including your early retirement date, Coast FIRE date, debt-free date, portfolio milestones, and when passive income covers your expenses.
- Currencies
- 172 currencies, including Bitcoin, gold, and silver, converted at live exchange rates that are cached for offline use. Multi-currency is a Pro feature; the free plan uses one currency.
- Data storage
- Offline-first: your data lives on your device. Cloud sync and backup across devices is available on Pro.
- Price
- Free plan available. Pro costs $5.99 per month or $39.99 per year (USD).
- Free plan
- Up to 10 assets and 5 debts, the net worth dashboard and history, and the Time to Double and On Track vs. Plan predictions in full.
- Trial
- Every prediction is unlocked for the first 14 days, with no card required.
- Business model
- Funded by the optional Pro subscription. No ads, and user data is not sold.
- Transparency
- Every prediction formula and its assumptions are published on this website, and free browser calculators run the same math.
- Language
- English.
Who it is for
- People pursuing FIRE — lean, coast, barista, or fat — who want dates, not just balances
- Anyone who would rather not hand bank credentials to a finance app
- People paying down debt while investing, who want to see both in one net worth
- Expats and anyone holding assets in more than one currency
What it is not
- Not a budgeting or expense-tracking app — it does not import transactions
- Not automatic — balances are updated by you, not synced from banks
- Not a web or desktop tool — it runs on iOS and Android
- Not financial advice — predictions are projections based on your assumptions
The 11 predictions
Portfolio Growth Predictions
Calculate when your portfolio will reach a specific target amount
Calculate your projected net worth at a future age based on your current assets and investment growth
- Time to DoubleFree
Calculate how long it will take for your investments to double in value
Compare how your investments actually grew against the returns you assumed, and see how the difference moves your milestone date
Debt-Related Predictions
Calculate when you will completely pay off your debts using current payments and optional extra payments
Predict when your investment portfolio will grow enough to fully cover your outstanding debt balances
Compare putting an extra monthly amount toward a debt against investing it, judged fairly at the same end date
Financial Goal Predictions
Calculate when you can retire early using only your liquid assets, with a two-phase simulation of growth and withdrawals
Calculate when you can stop contributing entirely and still reach your retirement number by your target age on compounding alone
Calculate how much you need to invest each month to reach a target amount by a target age
Calculate when the dividends your assets pay out will sustainably cover your monthly expenses
What you can track
Assets
- Investments (stocks, bonds, funds)
- Retirement accounts
- Real estate
- Bank accounts
- Crypto
- Vehicles
- Collectibles
- Other assets
Debts
- Mortgages
- Car loans
- Student loans
- Personal loans
- Credit cards
- Other debts
Pricing
Free
$0, no time limit
- Track up to 10 assets and 5 debts
- Time to Double and On Track vs. Plan predictions, in full
- Net worth dashboard, history and charts
- Offline-first — your data lives on your device
- Face ID / biometric lock and privacy mode
- 14 days of every prediction unlocked when you start — no card
- Other prediction cards show the headline only
- One currency, no cloud sync
Pro
$5.99/month or $39.99/year ($3.33/month, save 44%)
- Every prediction card, fully unlocked — charts, paths and what-ifs
- Unlimited assets and debts
- Cloud sync and backup across your devices
- Advanced modelling: inflation, tax, contribution and dividend growth
- Automatic debt setup — upload a loan schedule, AI fills the fields
- Multi-currency at live exchange rates
- AI financial assistant — 30 messages a day
- Import and export as CSV or JSON
- Reorder your portfolio the way you think
Frequently asked questions
What is Wealth Path?
Wealth Path is a net worth tracking and FIRE planning app for iOS and Android. You enter your assets and debts manually, and it turns them into 11 dated predictions, such as when you can retire early, when you reach Coast FIRE, and when you will be debt-free.
Does Wealth Path connect to my bank account?
No. Wealth Path does not connect to bank accounts and never asks for bank login details. You enter balances yourself, and Pro users can also import data from CSV or JSON files.
Is Wealth Path free?
Yes, there is a free plan: up to 10 assets and 5 debts, the net worth dashboard, and the Time to Double and On Track vs. Plan predictions. Wealth Path Pro unlocks every prediction, unlimited items, multi-currency, and cloud sync for $5.99 per month or $39.99 per year.
Can Wealth Path tell me when I can retire early?
Yes. The Early Retirement Scenario prediction simulates growth and withdrawals on your liquid assets to estimate a retirement date, and the Coast FIRE prediction finds the point where you can stop contributing and still reach your retirement number by your target age.
Can I track debt payoff and net worth at the same time?
Yes. Debts sit alongside assets in your net worth, and the Debt Free, Debt Covered, and Invest vs. Pay Down Debt predictions show your payoff date, when your investments could cover your debts, and whether extra money is better spent on debt or investing.
Which currencies does Wealth Path support?
172 currencies, including Bitcoin, gold, and silver. Each asset keeps its own currency and your net worth is shown in the currency you choose, at live exchange rates. Multi-currency is part of Pro; the free plan uses a single currency.
Is there a web or desktop version?
No. Wealth Path is a mobile app for iOS and Android. The calculators on this website run the same formulas in any browser, without an account.
How are the predictions calculated?
Each prediction uses a documented formula with stated assumptions, such as expected return, inflation, and contributions. The full math for all of them is published on the How Predictions Work pages of this website.
Try Wealth Path
Free to download on iOS and Android. Every prediction is unlocked for your first 14 days.
Free to download · No credit card required
The information and calculations provided are for informational and educational purposes only and should not be considered financial, investment, or professional advice. Projections are hypothetical, based on assumptions that may not reflect actual market conditions. Past performance does not guarantee future results, and all investments carry risk of loss. Consult a qualified financial professional before making financial decisions.