How many months to financial freedom?
Route15 works out your financial-independence number (a 3.5% safe withdrawal rate) and counts down the months to it. Set your income, expenses, debts and savings — then confirm each month with a single tap.
Route15 is an educational and planning tool. It is not investment, tax or financial advice. Forecasts are estimates based on the inputs you provide.
A path to FIRE, not bookkeeping
Route15 isn't another receipt tracker. It's a financial-independence planner that honestly shows when and how you'll get there.
FIRE countdown
Your independence number (28.6× annual expenses, a 3.5% safe withdrawal rate) and a fixed target date that moves closer every month.
Honest projection
Three scenarios: pessimistic / median / optimistic. The future is a range, not a single false-precision line.
Monthly autopilot
Apply the month from the Overview in one tap — balances and forecast update. A gentle signal warns when data is stale.
Advisor insights
A rules-based engine (no AI) flags expensive debt, a missing reserve fund or portfolio over-concentration.
Early loan payoff
Set a “pay off in N months” goal and the app computes the required payment and your debt-free date.
Private, no ads
Data stays on your device, no account needed. Optional Google Drive backup is strictly opt-in.
Three steps to peace of mind
Set up once in the wizard, then just tap once a month.
Setup wizard
Five steps: income, expenses, savings, obligations. You get a rough FIRE estimate right after income and expenses.
Get paid, tap once
Once a month you confirm the month from the Overview. Takes a few seconds.
Watch your FIRE date
Route15 re-runs the scenarios and shows your financial-freedom date drawing closer.
How far are you from freedom?
Drag the sliders and watch your capital close in on the target. Nothing is saved, nothing is sent anywhere.
≈ 13 years to financial independence
Target: 411,429
Rough estimate — it sharpens as you add savings and assets.
Everything in today's money: a real return of 4.9% (7% minus 2% inflation), withdrawal rate 3.5%. Amounts are in your own currency.
Route15 is an educational and planning tool. It is not investment, tax or financial advice. Forecasts are estimates based on the inputs you provide.
The road to financial freedom
Your milestones along the way — from day one to freedom.
Start
Day one in the wizard
First month applied
Autopilot takes over
Emergency fund
6 months of expenses
Expensive debt gone
The advisor flags it first
Net worth turns positive
Assets outgrow debt
Debt free
Your debt-free date
Halfway to FIRE
50% funded
Financial freedom
Time. Choices. Freedom.
Take a look inside
Shots from the real app.
Frequently asked questions
Who is Route15 for?
Anyone who wants a clear view of their path to financial independence (FIRE) — whether you save in a savings account, a pension scheme, a long-term investment product or ETFs.
Can it model early loan or mortgage payoff?
Yes. Set a goal to pay off a loan or mortgage sooner and Route15 computes the required monthly payment and your debt-free date.
Is my financial data safe?
Yes. Financial data stays on your device. We don't collect any data, and there are no ads.
Route15 Studio
Route15 is built by Route15 Studio — an independent studio focused on simple, honest financial tools.
Have a question or feedback? Drop us a line, we'd love to hear from you.