Built by an engineer, for engineers.
Summitward started as a personal spreadsheet. Its creator — an engineer with a PhD in electrical engineering and a career spanning aerospace and tech — was tracking net worth the same way most FIRE community members do: dates in column A, balances in column B, and a prayer that the formulas still worked.
The spreadsheet couldn't run 10,000 Monte Carlo simulations, perform Fama-French factor regression, or optimize a Roth conversion ladder. So the Engineer Investor built something that could — and made it available to everyone pursuing financial independence.
How Summitward Works
Add your data
Enter your net worth manually or import a CSV. One number is all it takes to start.
Get instant analysis
Your dashboard lights up with FI progress, growth trends, projections, and milestone dates.
Go deeper
Monte Carlo simulation, factor regression, Roth conversion optimizer, and more — available on the Summit tier.
Philosophy: Math First
Every projection in Summitward is backed by peer-reviewed financial models — not rules of thumb or gut feel.
- Fama-French factor regression (CAPM, FF3, FF5, Carhart) to decompose portfolio returns into systematic risk factors.
- CEFR funded ratio to measure your ability to meet future liabilities, not just your net worth number.
- Monte Carlo simulation with 10,000+ paths, five spending policies, and confidence bands from P5 to P95. We show the full range of outcomes — not just the optimistic one.
The Engineer Investor Ecosystem
- Summitward — FIRE planning and net worth tracking (you're here).
- Card Savvy (card-savvy.com) — Math-first credit card optimization.
- GitHub (github.com/engineerinvestor) — Open-source projects and contributions.
Connect
- GitHub: github.com/engineerinvestor/summitward-public
- X (Twitter): @egr_investor
- Instagram: @engineerinvestor
- Reddit: u/engineer-investor
- Email: support@summitward.com
Summitward is a product of Mount Si Labs LLC, a Washington limited liability company.
Disclaimer
Summitward is not a registered investment advisor, broker-dealer, or financial planner under the SEC, FINRA, or any state securities regulatory authority. All projections, simulations, Monte Carlo analyses, Roth conversion recommendations, and other outputs are for informational and educational purposes only and do not constitute financial, investment, tax, or legal advice. Past performance does not guarantee future results. Always consult a qualified financial advisor before making investment or tax decisions.