A private Google Sheet that turns your balances into three readings: your runway in months, your FI stage, and your Debt Freedom level. Check in monthly or quarterly. About ten minutes.
FI stands for financial independence: the point where your invested assets can cover your spending.
of workers laid off in the last two years used up most or all of their savings. Only 10% stayed financially stable.
Resume Genius survey of 1,000 workers, Jul 2026
your annual spending is the usual FIRE number at a 4% withdrawal rate. Most high earners have never written theirs down.
readings that answer the real question, do I have enough: your stage, your debt, and how many months you could cover.
FI stands for financial independence: the point where your invested assets can cover your spending. The six FI stages show how far along you are. They are measured on invested assets: brokerage, retirement and HSA. Your home counts toward net worth, not your stage, because a house does not fund withdrawals.
Net worth is zero or below, or accessible assets cover less than 3 months of expenses.
Net worth is positive and at least 3 months of expenses sit in cash and brokerage. The floor is set.
Invested assets alone, with no further contributions, are on track to reach your number by your target retirement age.
Invested assets cover a minimal lifestyle.
Invested assets cover your current lifestyle.
Invested assets cover your lifestyle with margin to spare.
Paying Down, Debt Free, or Fully Debt Free. You can be Coast FI and still be Paying Down.
Months your cash and brokerage could cover if income stopped. Thin under 3, Building 3 to 6, Strong 6 or more, with the cash only figure beside it.
You make your own copy. We cannot see it.
We never ask for bank logins. You enter round numbers on your schedule.
No scripts, no connections, nothing that sends data anywhere.
$79, one time. No subscription. 7 day refund, no questions asked. By purchasing you agree to the Terms and Privacy Policy. Requires a free Google account.
No. Your copy sits in your Google account. We have no access to it, and the sheet has no scripts or connections that send data anywhere.
About ten minutes the first time, less after that. Round numbers are fine.
A house does not fund withdrawals. Home equity counts toward net worth. FI stages are measured on invested assets: brokerage, retirement and HSA.
A 4% withdrawal rate, a 5% real return, target retirement age 65, lean spending at 70% and fat spending at 150% of current spending. You can change each one on the Settings tab.
No. One payment. No recurring charge.
No. The Waterfall Ledger is an educational tracking tool. Every reading is an estimate based on the numbers you enter.