Some finance tools start by asking for bank credentials. Beacon starts with the numbers you choose to enter. That makes it useful for people who want a private, manual, transparent way to track net worth and model financial independence.
Why no bank sync?
Bank sync can be convenient, but it also adds dependency, noise, and a larger data surface. Beacon is intentionally manual. You enter account balances, asset categories, savings, spending, expected return, and withdrawal rate. The result is a clean record of the assumptions behind your FI date.
Manual tracking also helps separate what matters for financial independence from what merely appears on a balance sheet. A synced account feed may show every transaction. Beacon focuses on the assets that can realistically support future spending.
What you can track
- Cash and savings balances you want included in your plan.
- Taxable investment accounts and retirement accounts.
- Debt balances when you want a complete net worth picture.
- Historical snapshots so progress is visible over time.
- Financial independence assumptions such as annual spending, savings, return, and withdrawal rate.
How Beacon turns assets into an FI date
Beacon uses a deterministic model. First, it estimates your portfolio target from spending and withdrawal rate. Then it projects current investable assets plus ongoing savings at the expected return you choose. The first month the projected assets reach the target becomes the modeled FI date.
The model is designed to be traceable, not predictive. It shows what your assumptions imply. It does not promise market returns or tell you what to do.
Who it is for
Beacon fits people who already have some assets, care about financial independence, and prefer deliberate manual tracking over automated data pulls. It is especially useful if you want to test assumptions without giving an app direct access to bank or brokerage accounts.
FAQ
Does Beacon connect to banks?
No. Beacon does not connect to banks, brokerages, or financial institutions. You enter balances and assumptions manually.
Is Beacon financial advice?
No. Beacon is a deterministic modeling and personal record-keeping tool. It is not financial, investment, tax, legal, or retirement planning advice.
Who is Beacon for?
Beacon is for people who want a manual, assumption-led way to track investable assets, understand net worth, and estimate a financial independence date.
How is an FI date calculated?
Beacon calculates an FI target from annual spending and withdrawal rate, then projects current investable assets plus savings at the expected return until the target is reached.
What are investable assets?
Investable assets are assets that can realistically support future spending, such as cash, taxable investments, retirement accounts, and other liquid or income-producing investments.
Track your FI plan manually
Use Beacon to enter your assets, test assumptions, and see the deterministic date those inputs produce.
Get your date