Know when you're
financially free

Do you know yours? Most people don't.

Every dollar you spend or invest moves it. Threshold shows you how much — and what to do about it.

See Your Number (60 seconds) → Get Early Access
Most people are years off — and don't know it.
app.thresholdfi.com
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April 2026
Financial Independence
48.0
years old
2039 — $6,667/mo safe withdrawal
↑ 7mo
since last check
$6,350 surplus last month beyond auto-invest
FI: 48.0 → 44.2 (+42mo) · +$940K
Spending pacing $1,469 over budget this month
FI: 48.0 → 50.5 (-34mo) · -$435K
Savings Rate
52%
Net Worth
$408K
Surplus
+$7,838
This number decides everything
65
Your financial independence age. Most people don't know it.

Every dollar you save, invest, or overspend moves this number. Threshold shows you by how much — and what to do about it.

See yours in 60 seconds →
Before
54.0
years old
→
+$300/mo
52.8
years old

$300 more per month moves your freedom 14 months closer.

How it works

Three numbers. One clear picture.

See your number. See what moved it. Fix it before it costs you.

Built on standard compounding math and your real data — no projections, no guesses.

01

Your FI age

Not a guess. Not a calculator. Your real data — income, spending, investments — recalculated every time you check in.

02

What moved it

Groceries crept up $150/month? That's 2 months later. Got a raise and invested the difference? 8 months sooner. The delta is always explained.

03

One action

Not 47 tips. One move that matters — with the dollar amount attached. "Cut $39/week on groceries to recover 2 months and $51K."

The insight engine

It shows what your decisions are costing you — in time and money.

Every insight shows the exact impact on your FI timeline — in months and dollars. No vague warnings. Just math you can act on.

Lifestyle inflation detection. Spending pace alerts. Positive reinforcement when you're on track. Each one shows your FI age before, after, and the dollar cost at retirement.

Live insight example
You're overspending by $337 this month — that's 4 months later to FI
Healthcare is $84 over budget so far. Dining Out trending $45 above normal pace.
FI: 53.5 → 53.8 (-4mo) -$92K at FI
Cut ~$123/week on healthcare to recover 4mo and $92K
What's inside

Everything that moves your FI date — in one place.

No noise. Just the math that matters.

🎯

FI Dashboard

Your financial independence age from real data. Delta tracking shows how you're progressing over time.

🧠

Behavior Insights

Lifestyle inflation detection, spending pace, reinforcement when on track. Each insight shows exact FI impact in months and dollars.

🔍

What-If Simulator

10 scenario sliders. Extra investing, side income, market crash, lump sum — see the exact timeline impact instantly.

📊

Portfolio Tracking

Allocation vs targets, drift detection, DCA scheduling, rebalancing calculator. Live price updates from market data.

🔒

Privacy-First

Import via CSV. No bank login. No Plaid. No selling your data. Your financial life stays private.

📱

Works Everywhere

Installable as an app on phone or desktop. Dark mode. Mobile responsive. Fast. PWA — no app store needed.

Why I built this
I didn't trust my money decisions.
J
Jessie
Founder, Threshold

Not because I was reckless — because I didn't have visibility.

I was doing what everyone says to do: saving, investing, trying to be disciplined. But I couldn't answer one simple question:

"Am I actually on track — or just hoping I am?"

That's when I started digging into the math. Compounding made sense. Index funds made sense. But there was still a gap: no tool actually showed me what my behavior was doing to my future. Not in real terms. Not in a way I could act on.

So I built a system that shows me.

At one point, I had more money than I'd ever had — and realized that without understanding the system, it wouldn't matter. That was the moment I stopped guessing and started building a system I could trust.

I built it because I didn't want to guess anymore.

Stop guessing.
Know your number.

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