fjordFIRE

fjordFIRE is a FIRE and financial-independence planner for people whose money spans more than one currency and country: expats, immigrants, cross-border couples, digital nomads.

If your income is in one currency, your savings in another, and perhaps your family obligations in a third, most FIRE tools don't handle your situation very well and may quietly hand you the wrong number. fjordFIRE is built around that problem instead of ignoring it.

Every calculation is currency-aware. It separates actual saving from currency movement through FX attribution. Couples can track separate FI numbers, and you can revalue your portfolio in another currency using that country's cost of living if you're thinking about relocating or retiring.

Money is split across four pillars instead of being treated as one big number: Protect (the safety net), Growth (the FIRE engine), Retire (locked retirement), and Move (money available to relocate).

It runs on manual monthly check-ins, not bank logins. No transaction scraping, and no data sold. There's also an optional in-app AI assistant , which does not train on your data.

Made in Oslo, Norway. Open to everyone, free.