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. No broker login or password is requested anywhere in the product — the one direct connection, Freedom24, is optional and uses read-only API keys you generate and can revoke yourself. 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.

Common questions

Can BorderFolio track my FIRE number?

Yes. You enter your monthly spending; BorderFolio computes the target at 3%, 4%, 5% and 6% withdrawal rates, estimates the years to each from your portfolio value and your measured contribution pace under a stated 7% nominal growth assumption, and shows how much of your spending your projected dividend income already covers after your home dividend tax.

Does a FIRE tracker need a broker connection?

No. You upload the statement your broker already produces, or pick your positions manually with no document involved. Two brokers, Freedom24 and Interactive Brokers, can optionally be connected with read-only credentials you generate yourself; neither is required, and no other broker connects. Either way the contribution history that drives the FIRE math lives in BorderFolio, so it survives broker changes.

Does it work for FIRE investors outside the US?

It is built for them. Dividend withholding is estimated per holding from fund domicile and your tax residence, spending can be set in a different currency than the portfolio, contributions are converted at the exchange rate of their transaction date, and milestone ladders are scaled to round numbers in your portfolio currency.