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Portfolio & Calculations
How the FIRE Planner works
How FolioSync estimates FIRE progress, timeline, dividend coverage, and required monthly investment.
Common symptoms
- You want to understand your FIRE number.
- The FIRE timeline or passive income result looks different from your expectation.
- You want to know which assumptions affect the planner.
What to try first
- 1The FIRE Planner estimates financial independence progress using your current portfolio value, monthly expenses, expected growth, monthly contribution, and withdrawal rate.
- 2Current portfolio value combines stock portfolio value, cash where applicable, and mutual fund value.
- 3Annual dividend income is estimated from stock dividends and mutual fund distributions recorded over the recent period used by the app.
- 4Your FIRE number is based on monthly expenses and withdrawal rate.
- 5Timeline Projection estimates how long it may take to reach the FIRE number using your contribution and growth assumptions.
- 6Passive Income shows how much of your expenses are covered by dividend and distribution income.
- 7Dividend FIRE Planner uses target dividend yield and dividend growth assumptions.
- 8Use Edit Settings to update monthly expenses, contribution, growth rate, target yield, current age, and retirement age.
When opening a ticket
- Send your FIRE settings, screenshot, and the portfolio value you expected if the planner result looks wrong.
- Attach an Excel export if the issue appears related to missing portfolio, dividend, or mutual fund data.