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Basic is free · Full access during preview

Live the path. Leave zero.

Live Zero Path is an app that finds a Freedom Date — the year money can step aside — from figures you type, with no bank login. It plans a spend toward zero, goals across six life pillars, and the household books. The FIRE calculator runs in your browser and saves nothing. The years you are in will not come twice.

The money is yours. We help you track it, plan it, and live it — we don’t make it.

Sign up free Compare plans Estimate your Freedom Date

Empty ledgers on sign-up · Demo is read-only · Basic is free

Demo household

Now 42 · illustrative — not the visitor’s

Now

Age 42

Freedom Date

Age 57

Years from now

14.90

You are here at 42. Drawdown from 50. Freedom Date 57 sits in the golden years — live the peak; don’t wait for it. Wealth spent toward zero at mortality.

Live now

Why plan to spend, not only to save?

Spend the years that will not come twice. Do not postpone a life until a number permits it. Fund the years while your energy is still high.

Traditional finance treats independence as a waiting room: accumulate, then live. Live Zero Path inverts that trap. Money is a tool for a life well-lived — not the destination. Know the date it can step aside, so you can stop hoarding the best years for a future self who may have less health, less family time, and fewer dreams left to chase. The Freedom Date exists so you can stop waiting — not so you can start living only then.

01

See a Freedom Date

A year you can stop needing more — not a net-worth chart that grows forever. The signed-in FIRE tracker is a crossover: core living, covered, with a date money can step aside.

Try the calculator

02

Fund a memory first

Life Experience turns a trip, a skill, a family ritual into a plan with a date and a sinking fund — so memories are funded on purpose, not leftover scraps.

See the books

03

Spend toward zero

Path to Zero solves the monthly spend that hits a legacy — or zero — at mortality. Guilt-free drawdown mapped to energy: peak, golden, comfort. Hoarding is optional. Zero is allowed.

How drawdown works

How it starts

How do I start?

Three moves, then you live. Register into an empty household of your own — five skippable steps, last optional, paste or type. Or walk the fictional demo to feel the full picture before you put a real life on the internet.

  1. 01

    Know when you are free

    Years-to-FIRE uses voluntary savings and a blended return — so the date is honest, not inflated by pension you cannot spend yet. Estimate it here before you sign in. The signed-in tracker adds sinking-fund exclusion and Decimal math.

  2. 02

    Balance six pillars

    Money, Family, Health, Learning, Dreams, Friends. Score them. Put an action on each. Health is the operational tracker; Life Experience funds the memory. Do not wait for the Freedom Date to start. See life goals examples →

  3. 03

    Protect, then enjoy

    Emergency months you can reach this week. Life cover against debts and education. Then spend toward zero — or leave a legacy. Invite a spouse as Can edit or Read-only if you want the books shared.

Should I start empty or walk the demo?

A new account is yours — blank ledgers, no one else’s numbers. Five skippable steps, last optional; paste a block or add one row. After what comes in and goes out, the dashboard is already a report. The Demo household is synthetic on purpose, so you can explore Freedom Date, Path to Zero, and the six pillars without putting a real life on the internet first. Basic is free. See the balance sheet, cash flow, budget and emergency fund pages →

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