Know when you will be financially independent.
How long you can manage without an income, when you’ll reach your goal, and what happens if the market disappoints.
What you can do with it
FIRE scenariosPro
Lean, regular, fat, barista and coast: for each scenario, the assets you need and the expected year. Tracking one goal is free.
Simulations and stress tests
Monte Carlo simulation and fixed scenarios, such as a market crash in the first year. Worked examples, not a forecast.
Frequently asked questions
What are the FIRE scenarios?
Lean, regular and fat assume low, normal or generous spending. With barista you keep working part-time. With coast you no longer need to contribute to reach your goal at retirement age.
What is a Monte Carlo simulation?
A calculation with many random return sequences, to see how often your goal is reached. It is an example calculation, not a forecast.
Is this free?
Tracking one goal is free. The FIRE scenarios and simulations are part of Pro.
Updated on 7 November 2026.
Read next
Scotis gives information and worked examples using your own numbers, not financial or tax advice.
Try it with the demo first.
Click around with the numbers of a sample household. If you like it, start with your own numbers.
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