The starship Parallax, engines lit

Project FIRE

Reach escape velocity.

The Project FIRE Command Center is a Google Sheet that tells you the date work becomes optional, and what every decision does to it. Plus a free 13-mission course that flies it.

The gravity well

Paycheck to paycheck is a gravity well. Financial independence is the speed at which it stops pulling you back.

Most people can tell you roughly what they earn and vaguely what they spend. Almost none can tell you the date work becomes optional. This sheet can.

READING 01

The number almost nobody has seen

Every month moves you closer to freedom or further away, by a specific amount. The Command Center reads it: your cashflow and your savings rate, computed, not typed.

READING 02

Name the age you want out

Type a retirement age and the sheet prices it: the savings rate that age needs, the age your current rate actually reaches, and the monthly gap between them.

READING 03

Fly a decision before you live it

A baby, a house, a new job: model three futures side by side and read what each one does to your FIRE date before you decide.

Premium · Scenario_Planner
Commander Charles Frederick at the console of the Parallax, seen from behind
How it works

You fly.
The ship computes.

Type your take-home pay, spending, debts and assets. The Command Center computes the rest: savings rate, net worth, your FIRE number, and the year and month you reach it.

Two colours are the whole language

Gray is where you type. Orange is the ship answering you.

 Gray cells: type here
5,200Blue: what you typed
22.36%Orange: computed, never type here
Yours, privately

A Google Sheet in your own Drive.

No app, no bank login, no data leaves your Drive. Open the link, choose File → Make a copy, and it is yours for good, on any device with a Google account.

Inside the Command Center: fourteen tabs, one system

The free course

Thirteen Core Missions. They do not change.

Project FIRE is a free course on YouTube aboard the starship Parallax. Each mission teaches one piece of personal finance and lights one part of the Command Center, from first readout to escape velocity. Complete one and the Mission_Log confers its title.

    Escape velocity · 11.2 km/s

    Choose your edition

    Both are Google Sheets you keep forever. Start free; upgrade when you want to model the decisions.

    Command Center Lite

    Freepay what you want
    • Eleven tabs: Dashboard, Income, Expenses, Assets, Debt, Emergency_Shield, FIRE_Calculator and more
    • Savings rate, net worth, your FIRE number and the date you reach it
    • The savings rate your target retirement age needs
    • The Pre-Flight Checklist (PDF): the twelve numbers to gather first
    • Enough to fly every Core Mission
    Get Lite, free

    Gumroad asks for an email to deliver it.

    Command Center Premium

    $49once · no subscription

    Founding crew: $39 with code FOUNDING, first 1,000 Voyagers.

    • Everything in Lite, plus:
    • Scenario_Planner: three futures side by side, with the years-to-FIRE verdict before you decide
    • The Dashboard's eight charts, led by Trajectory and The Rate Each Age Needs
    • Debt_Optimizer: Avalanche vs Snowball from your own debts, and the interest you keep
    • Monthly_Log: thirty years of monthly snapshots
    • Coast and Barista FIRE, and a 3–5% withdrawal-rate table
    • Bonus: The Commander's Flight Manual (PDF, 13 pages)
    • 30-day money-back guarantee · free updates for life
    Get Premium

    Compare: ProjectionLab $129 a year · Boldin $144 a year · YNAB $109 a year. Command Center Premium: $49, once. (List prices, September 2026.)

    Questions from the crew

    Do I need Excel?

    No. It is a Google Sheet; it opens on any device with a Google account.

    Is my data private?

    Yes. You make a private copy in your own Google Drive. Nothing is collected and nothing syncs anywhere.

    Can I share it with my partner?

    Yes. Share your copy from Google Drive like any file.

    Can I change the formulas?

    We recommend against it. Every formula is calibrated to work with the others, so a single edit can quietly throw off numbers across the sheet. Your numbers go in the gray cells; everything else is computed for you. Every tab is protected in warning mode, so the sheet asks before a computed cell is overwritten. Choose Cancel.

    What if I make a mistake?

    Make a fresh copy from the original link at any time: File → Make a copy.

    How do updates reach me?

    The links in your receipt always open the newest version. Make a fresh copy from them whenever you want the latest.

    What if it isn't for me?

    Fly it for thirty days. If the Command Center has not earned its place in your Drive, email us for a full refund. No questions, no forms.

    Is this financial advice?

    No. Project FIRE is an educational series and tool, not personalized financial, tax or investment advice. For advice about your situation, consult a licensed professional.