Current Path
Start with what happens if nothing changes.
Project the full path before you pull any levers.
NorthstarFI
Model the path before you change the plan.
Built for thoughtful FIRE planning
Know the path before you change the plan.
Income, RSUs, spending, bridge years — one connected path from accumulation to drawdown.
Scenario lab
Change one lever and see the tradeoff.
Adjust one input at a time without losing the baseline.
Saved outlooks
Snapshot results without rewriting history.
Compare new paths against any saved outlook.
Sample path
Financial independence around age 53
Current Path
$4.8M
Bridge
6.9 years
Before retirement-account access
Scenarios
Unlimited
Save baseline, compare without losing it
How it works
Every lever connected. Every tradeoff visible.
Current Path
Your baseline before any what-if changes.
See where today's trajectory ends before you pull any levers.
Scenario compare
Test one change at a time against your saved baseline.
Retire two years earlier, cut spending by $10k — see the impact without overwriting your plan.
Bridge planning
Model the gap before retirement accounts unlock.
See exactly whether accessible assets cover the years between your retirement date and age 59½, when tax-deferred accounts open penalty-free.
Saved outlooks
Snapshot your plan at any point.
Come back months later and compare — the original numbers stay intact.
Bridge years explained
The gap that most retirement calculators ignore.
The bridge period is the gap between your target retirement date and age 59½, when tax-deferred accounts unlock penalty-free. NorthstarFI models this explicitly — tracking cash and taxable assets separately so you can see whether accessible money covers those years before everything opens up.
Privacy-first
NorthstarFI uses manually entered balances — no bank connections, no account linking, no credentials stored. Your numbers stay in your plan, not in a sync pipeline.
Plan access
Free
Basic
Price
$0
One Current Path
Latest saved outlook
Accumulation-to-drawdown graph
Plus
Advanced planning
Best for FIREPrice
$12.99
/ month
Model exactly when bridge assets run out before 59½
See how an RSU vest or payroll change shifts your FI date
Compare scenarios side-by-side without overwriting your baseline