Track Your Path to Financial Independence
Know exactly where you stand on the FIRE journey with CoastFI, LeanFI, and FatFI calculations calculated from your actual portfolio and updated instantly as your finances change
14-day free trial. No credit card required.
The Milestone That Changes Everything
CoastFI is the point where your investments will grow to support your retirement without any additional contributions. Once you reach CoastFI, compound growth does the heavy lifting -- you just need to cover your current expenses.
Doughsense calculates your CoastFI number in real-time based on your actual portfolio, expected growth rate, and target retirement age. No guesswork, no static spreadsheets -- a living calculation that updates as your finances evolve.
Personalised Calculation
Based on your actual portfolio value, not hypothetical numbers
Compound Growth Modelling
See how your investments grow over your lifetime with inflation adjustment
Milestone Integration
Create milestones for each FI target. If changes to your finances put a milestone out of reach, you'll be alerted so you can adjust your plan.
LeanFI and FatFI: Your Full Spectrum
Financial independence isn't one number -- it's a spectrum. Doughsense tracks where you are across the entire range, from covering essentials to funding your ideal lifestyle.
LeanFI
LeanFI is the point where your investments can cover your essential living expenses -- housing, food, utilities, and basic needs. It's your financial safety net: the moment you know you could survive without employment income.
- Calculated from your actual essential expenses
- Inflation-adjusted for future purchasing power
- Progress percentage updated in real-time
FatFI
FatFI is the point where your investments cover your full lifestyle -- essentials plus discretionary spending, hobbies, travel, and everything else you enjoy. It's complete financial freedom on your terms.
- Includes all discretionary and lifestyle expenses
- Accounts for your actual spending patterns
- See the gap between LeanFI and FatFI clearly
How Doughsense Tracks Your FI Journey
Not a one-time calculator -- a continuous tracking system that evolves with your finances
Instant Recalculation
Your FI metrics recalculate instantly based on your latest portfolio data, income, and expenses
Inflation-Adjusted Projections
All projections account for inflation so your FI targets reflect real future purchasing power
Progress Metrics
See your percentage progress towards CoastFI, LeanFI, and FatFI with clear visual indicators
Milestone Integration
Set milestones around each FI target and get alerted if your projections show them slipping out of reach
More Than a Calculator
Online FI calculators give you a snapshot based on assumptions. Doughsense gives you a living, breathing projection based on your real financial data -- updated instantly as your circumstances change.
Your Actual Portfolio
Uses your real account balances, assets, and liabilities -- not hypothetical inputs you forget to update
Your Real Cash Flow
Income and expenses drive the projections, so your FI timeline reflects what you actually earn and spend
Lifetime Timeline
Projections that span your entire financial future, showing exactly when you'll reach each FI milestone
Multi-Currency Native
Track FI progress across currencies with automatic conversion. Perfect for expats and international portfolios
Typical FI Calculator
- Static inputs you enter once
- Single snapshot result
- No connection to real data
- Outdated the moment you close the tab
Doughsense FI Tracking
- Driven by your actual portfolio
- Instant recalculations
- Inflation-adjusted projections
- Evolves as your finances change
FI Metrics at a Glance
Doughsense tracks 12 financial metrics in real time. Here are the ones that matter most on your path to financial independence.
CoastFI Number
Your target portfolio value where compound growth alone will fund retirement. Updated in real-time.
Savings Rate
The single most important metric for reaching FI. See how much of your income is building wealth.
Financial Runway
How long you could sustain your lifestyle without income. A key measure of financial resilience.
Net Worth Trajectory
Track your net worth over time and see how it projects forward across your entire financial lifetime.
Rate Optimisation
Track promotional rate health across your liabilities with a 0-100 score.
Debt-to-Income Ratio
Monitor your debt obligations relative to income. Reducing debt accelerates your FI timeline.
Start Tracking Your Path to FI
Stop guessing when you'll reach financial independence. Start your free trial and see your personalised CoastFI, LeanFI, and FatFI projections within minutes.
14-day free trial. No credit card required.