A portfolio tracker for FIRE investors

What a FIRE investor needs that a returns dashboard doesn't show

• The savings rate, made visible. Time to FI is driven by contribution pace more than by fund selection, yet most tools bury contributions inside the balance. BorderFolio stores every purchase as a dated contribution and shows the pace, the streak and the gaps — the habit that actually decides the outcome. The contribution tracker.
• Your money separated from the market's. A balance that grew 20% tells you nothing about whether you are on pace. Contributions and market growth are split per month, so a bull market cannot flatter your discipline and a drawdown cannot slander it. How the split is computed.
• Distance to the number, in years. Your FIRE number at four withdrawal rates (3–6%, headline 4%), and the time to each estimated from your current value and measured pace under a stated 7% nominal growth assumption — a scenario with its assumptions in the open, not a promise. Exactly what is tracked, and every assumption.
• Income coverage, after tax. For income-based FIRE: the share of your spending that projected dividends already cover, net of your home dividend tax — because coverage only counts in money you can spend.
• Milestones that match the strategy. Value rungs for accumulators, monthly-income rungs for income builders, coverage rungs (25% → 125%) for anyone tracking toward living on the portfolio.

The cross-border complication FIRE math usually ignores

The standard FIRE arithmetic assumes the portfolio's income and growth are yours to keep. Across a border, three quiet leaks say otherwise:

• Withholding at source. A slice of every dividend is taken where the fund is domiciled before the money ever reaches you — and the size of the slice depends on fund domicile × your tax residence. A US-domiciled ETF and its Irish UCITS twin deliver different spendable income from identical holdings; over a retirement funded by that income, the gap is structural. BorderFolio estimates it per holding. The two-step model.
• Currency inside the plan. You may spend in one currency, hold funds quoted in another. BorderFolio lets you set spending in the currency you spend, converts at real rates, records each contribution at the exchange rate of its transaction date, and scales milestone ladders to round numbers in your portfolio currency — so a currency swing reads as market movement, not as a change in your savings pace.
• US estate-tax exposure. A non-US investor accumulating US-situs assets toward a seven-figure FIRE number walks past the $60K US estate-tax threshold early in the journey. BorderFolio flags the exposure so it is a decision, not a surprise.

Built on your real record, not a connection

The FIRE math is only as honest as its inputs, so the inputs come from your actual history: import the statement your broker already produces — PDF, CSV, text or screenshot, any broker — or pick your positions manually with no document involved, a deliberate privacy option. There is no broker login, API key or read-only token anywhere in the product, and the contribution record lives in BorderFolio, so changing brokers twice on the way to FI does not erase the history the years-to-target estimate is built on. How import works · Security & data handling.

A multi-month statement backfills the past: one export produces months of contribution history and monthly snapshots, so the pace that feeds the FIRE estimate is measured from real behaviour, not from the day you signed up.

What it deliberately does not do

• No invented inputs. Until you enter your monthly spending, no FIRE target is shown — the product does not guess your cost of living.
• No single "your FIRE date". Four withdrawal-rate scenarios and a stated growth assumption, because the honest answer is a range.
• No advice. Every figure is informational — which rate to trust, which funds to hold and when to stop working are decisions the product refuses to make for you.