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OFEKfire is a free FIRE calculator built for real investors. Track your assets, model your pension gap, run Monte Carlo simulations — all without giving up your data.
Built for investors who want real answers, not rough estimates.
Add every asset — stocks, pensions, real estate, education funds. Live prices via Yahoo Finance. ILS & USD support.
Gap Fund Number, Runway Number, and Traditional FIRE Number — each accounting for the pension gap, inflation, and tax.
See exactly how your portfolio grows. Three scenarios: base, optimistic, pessimistic. Pension drawdown modelled.
Run 1,000 random market scenarios and see your retirement success rate. Know how robust your plan really is.
Mix ILS and USD assets freely. Live exchange rates. Everything shown in your chosen display currency.
All data stays in your browser. Nothing is sent to any server. Export an encrypted backup whenever you want.
Models the full Israeli pension system — קרן פנסיה, קרן השתלמות, and Bituach Leumi. Handles the gap between early retirement and pension age. Mix ILS and USD assets freely. The only FIRE calculator that understands your actual situation.
Yes — completely free, no account required. Open the app and start planning immediately.
Your data never leaves your browser. We have no servers storing your financial information. You can export an encrypted backup any time.
Yes — built specifically with the Israeli context in mind: pension funds (קרן פנסיה), education funds (קרן השתלמות), the gap between early retirement and Bituach Leumi, and ILS/USD mixed portfolios.
FIRE stands for Financial Independence, Retire Early. The goal is to save and invest enough that your portfolio generates enough income to cover your expenses — so work becomes optional.
In most countries, pensions and social security only kick in at 65–67. If you stop working at 50, you need to fund the gap yourself. OFEKfire models this gap precisely and calculates exactly how much you need.
The lump sum you need at retirement to cover your expenses during the pension gap — the years before social security and pension funds kick in. It accounts for any income you earn during that period, inflation, and tax.
A finite two-phase target: covers the pension gap first, then covers expenses minus pension income until your target age. More realistic than the Traditional FIRE Number for most people.
Start planning in under 2 minutes. No account. No credit card.
Launch OFEKfire — free →