Your spreadsheet got you here. Summitward takes you further.
See your realistic FI date range, know how much you can safely spend, and make tax-smart decisions. Built for the FIRE community.
Retirement Simulation
10,000 paths · 30-year horizon
FI Date
2031
Safe Spend
$7.2K/mo
Health
B+
You've outgrown the spreadsheet
The tools that got you started aren't the tools that get you to FIRE.
Spreadsheets show where you've been
They track balances, but they can't tell you when you'll reach FI, how much you can safely spend, or whether your portfolio is actually diversified.
Summitward shows where you're going
Your FI date range with confidence bands, safe spending under five policies, and milestone projections, from the same data you already track.
You're guessing at your withdrawal rate
A single SWR number doesn't account for sequence risk, spending flexibility, or tax-deferred accounts.
Get the full picture
Financial health scoring, portfolio risk analysis, and Roth conversion optimizer give you answers, not guesses.
Data entry is where your analysis ends
Budgeting apps ask you to categorize hundreds of transactions. Spreadsheets need manual updates. By the time you're done, you've lost the energy to actually analyze anything.
One entry. Twelve insights.
Add a single data point and instantly see updates across your dashboard, projections, health score, and more.
The question isn't where your money went. It's where it's going.
Most finance apps optimize for tracking expenses. Summitward optimizes for reaching financial independence.
Budgeting apps vs. Summitward
Budgeting apps categorize where every dollar went last month. Summitward projects when you'll reach financial independence, and simulates 10,000 scenarios to pressure-test that date.
Advisory platforms vs. Summitward
Advisory platforms gate portfolio analytics behind $100K+ minimums and AUM fees. Summitward gives you factor regression, efficient frontier, and Roth optimization for $99/year.
Expense trackers vs. Summitward
Expense trackers help you save $5 a day. Summitward helps you answer questions that move the needle by years: When can I retire? How much Roth should I convert? Is my portfolio actually diversified?
Everything you need for FIRE planning
From daily tracking to deep analysis. Tools built by and for the financially independent.
Know exactly where you stand
Your net worth dashboard shows FI progress, growth trends, and milestones at a glance. Dynamic targets update as your goals evolve.
- Interactive FI progress bar with custom targets
- Year-over-year and rolling growth analysis
- Annotation markers for life events
FI Progress
CAGR
14.2%
YoY Growth
+18.2%
Est. FI Date
2029
Simulate 10,000 retirements before you take one
Monte Carlo simulation with five spending policies, glide path allocation, and stress testing across market models.
- Constant, VPW, guardrails, floor-ceiling policies
- Age-based stock/bond glide path
- Fan chart with P5–P95 confidence bands
Monte Carlo Fan Chart
Success Rate
94.2%
Go beyond allocation percentages
Factor analysis, efficient frontier optimization, benchmark comparison, and correlation heatmaps.
- CAPM, FF3, FF5, and Carhart models
- Risk-return scatter with optimal portfolios
- Up/down capture ratios vs benchmark
- Concentration risk analysis + sell-vs-hold calculator
Portfolio Analysis
Factor Exposure
Keep more of what you've built
IRS bracket-aware Roth conversion ladders, tax-loss harvesting analysis, and tax projection tools to minimize lifetime taxes.
- Multi-year conversion strategy with RMD modeling
- Lot-level P/L analysis with harvest recommendations
- Federal + state tax bracket visualization
Roth Conversion Plan
Federal Tax Brackets
Conversion Ladder
Up and running in 60 seconds
No complicated setup. No financial advisor needed. Just you and your data.
Create your account
Free forever tier. No credit card, no strings. Takes 30 seconds.
Add your first data point
Enter your net worth or import a CSV. One number is all it takes to start.
Get actionable insights
Your dashboard, projections, and health score light up instantly.
Go deeper with free guides
In-depth articles on the financial models and strategies behind Summitward.
Transparent pricing for serious planners
Start free, upgrade when you need advanced analytics. Less than a single financial advisor session.
Get started tracking your net worth
Full access, no credit card
Full suite of advanced analytics
Sign up creates a free account. Request Summit beta access via Contact.
- Everything in Free, plus:
- Monte Carlo simulation (10,000+ paths)
- 5 spending policies + stress testing
- Financial health scoring
- Multi-liability modeling & what-if
- Roth conversion optimizer
- Portfolio analysis + factor regression
- Tax projection + cash flow planning
- Free during beta, no card required
Want a heads-up when Summit opens to everyone?
Frequently asked questions
Got questions? We've got answers.
How is this better than my spreadsheet?
Spreadsheets are great for recording data, but they can't run 10,000 Monte Carlo simulations, perform Fama-French factor regression, or optimize Roth conversion ladders. Summitward turns your net worth data into actionable analysis, automatically, every time you add a data point.
How is Summitward different from YNAB, Monarch, or Copilot?
Those are excellent budgeting tools, they help you categorize transactions and control monthly spending. Summitward is a different product for a different question: not 'where did my money go?' but 'am I on track to financial independence?' We focus on net worth growth, retirement readiness, portfolio analysis, and tax optimization. Many in the FIRE community have built significant wealth without a formal budget, by earning more, investing wisely, and negotiating the big expenses. Summitward is built for that approach.
How is Summitward different from Empower (Personal Capital)?
Empower offers a solid free net worth dashboard, but its advanced analytics and personalized advice are gated behind a $100K+ advisory relationship with AUM-based fees. Summitward gives you deeper analytical tools, Monte Carlo with five spending policies, Fama-French factor regression, Roth conversion ladders, and tax-loss harvesting analysis, for a flat $99/year with no minimums and no advisory upsell.
Is my financial data private?
Yes. Your data is encrypted at rest and in transit. We never sell your data, share it with third parties, or use it for advertising. You can export or delete everything at any time.
Can I import my existing data?
Absolutely. Upload a CSV with dates and net worth values, and Summitward will import your full history. You'll see your dashboard, projections, and growth trends immediately.
What if I want to leave? Can I export?
Yes, one-click CSV export gives you all your data in a portable format. No lock-in, no friction. Your data is always yours.
What's included in the free tier?
The free tier includes net worth tracking, FI progress dashboard, growth projections, milestones, Coast FIRE calculator, CSV import/export, and dark mode. No time limit, it's free forever.
What does Monte Carlo simulation actually tell me?
It runs 10,000+ randomized market scenarios against your retirement plan to calculate your probability of success. Instead of assuming a single average return, you see the full range of possible outcomes with confidence bands from P5 to P95.
Why should I trust a new tool with my financial planning?
Summitward is built on peer-reviewed financial models: Fama-French factor regression, financial health scoring, and Monte Carlo methods used by institutional investors. The math is the same; the interface is just built for individual investors.
What's the cancellation policy?
Cancel anytime from your billing settings, no questions asked, no hoops to jump through. Your data stays accessible on the free tier after cancellation.
Engineer Investor
Creator of Summitward
Built by an engineer-investor, for the FIRE community
I hold a Ph.D. in Electrical Engineering and have spent my career in aerospace and tech, designing sensors and deploying modern machine learning systems at scale. I apply that same engineering rigor to my personal finances, and I've reached my baseline financial independence target (level 2 of 3 in my FI goals).
Summitward began as a spreadsheet I built for myself because I wanted real projections and honest analysis. When I needed Monte Carlo simulations, factor regressions, Roth conversion optimization, and tax-loss harvesting analysis, I built those too. I also publish a free personal finance guide covering budgeting, passive investing, and portfolio strategy.