EmberPlan

EmberPlan is a full-stack FIRE (Financial Independence, Retire Early) planning platform that brings institutional-grade financial modeling to individual investors. The guiding philosophy: "Small sparks, big retirement outcomes."

The Problem

Most retirement planning tools are either too simple (basic calculators) or too expensive (CFP software). FIRE practitioners need sophisticated modeling: Monte Carlo simulations, tax optimization, scenario comparison, without paying advisor fees.

Core Features (Phase 1 - Complete)

• Financial Profile Management: Complete income, expenses, assets, and rates
• Deterministic Projections: Net worth growth visualization over time
• Monte Carlo Simulations: Probability-based success rates under various market conditions
• Historical Backtesting: Test plans against 2008 crisis, dot-com bubble, etc.
• Cash Flow Visualization: Sankey diagrams showing money flow
• Goal Tracking: Progress bars and milestone celebrations
• Gamification: Achievement badges to maintain motivation

Advanced Features (Phase 2 - In Development)

• Scenario Overlays: Compare multiple retirement scenarios on the same chart
• Tax Strategy Engine: Model Roth conversion ladders, optimal withdrawal sequencing
• Shareable Links: Anonymized read-only views for community feedback
• Financial Advisor Dashboard: Multi-tenant client management with RBAC

Technical Architecture

React/TypeScript frontend with Express/PostgreSQL backend. Zod for validation across the stack. D3.js for advanced visualizations. Designed for both B2C (individuals) and B2B (advisors) monetization.

The FIRE Connection

EmberPlan serves the growing FIRE community: high-income professionals optimizing for early retirement. The name itself is a play on FIRE: small embers that grow into a sustainable financial independence fire.

Monetization

• Free tier: Core features, 3 scenarios
• Premium: Unlimited scenarios, Monte Carlo, tax strategies
• Advisor: Multi-client dashboard, reporting, collaboration