Ember Personal Finance

Your complete financial picture.

Plan your financial future.

See everything you have in one place, set the goals that matter to you, and build a plan to reach them. Ember shows when you could retire and tests that plan in 10,000 different markets, good years and bad.

Coming soon on theApp Store Free to start. Paid plans from $3.99/mo, first month free.
Chance your money lasts
79%
Sample plan
Example chance-of-success chart for a sample plan that retires at 50: simulated market futures, with the middle outcome near $1.5 million at retirement. FIRE number $1.38M Retire at 50 59½ 30 40 50 60 70 80 90
A made-up 30-year-old with $120K saved, putting away $2,500 a month and retiring at 50 on $55K a year. In 79 of every 100 markets, the money lasts to 90.

Plan your financial future

Most money apps tell you where your money went. Ember helps you decide where it goes next, with goals you can see and a plan you can test.

GOALS

Set goals and know when you’ll hit them

Add a goal and Ember works out how much to put away each month and the month you’ll get there. Not sure where to start? Follow the roadmap one step at a time.

  1. Know where your money goesA month of spending, sorted
  2. Starter emergency fundA small cushion for surprises
  3. Get your full employer matchFree money in your 401(k)
  4. Pay off high-interest debtCredit cards first
  5. Full emergency fund3 to 6 months of spending
  6. Open and fund an IRATax breaks you’d miss otherwise
  7. Save 15%+ for retirementEnough to stay on track
  8. Save for big goalsA home, a car, a wedding
  9. Invest the rest and build freedomWork because you want to
PLAN

Build a retirement plan you can trust

Pick the age you want to retire and how you want to live. Ember counts your raises, kids, Social Security and taxes, and checks the years before you can touch your 401(k).

  • See your chance of success, not just one guess
  • Drag a slider to try retiring earlier or spending more
  • Save “Retire at 45” and “Retire at 55” and compare them
  • Know how much to invest each month to stay on track
Compare plansSample
Retire at 45
62%
Retire at 50
79%
Retire at 55
93%

Chance the money lasts to 90, same savings and spending.

Your whole financial picture

Start with three numbers or add every account you have. Use the parts you want and hide the rest.

NET WORTH

What you own, minus what you owe

Bank accounts, stocks, your house, your car loan, your cards. Log it once a month and watch the line move.

BUDGET

Where the money went

Download a statement from your bank (CSV or PDF) and import it. Most transactions get sorted on their own, and Ember remembers how you sort the rest.

SAVED PLANS

Retire at 45 or 55?

Save both and put them side by side. See which one actually holds up.

AI

Ask it things

“Can I afford to retire at 50?” The assistant runs on your iPhone, so your questions stay there too.

There’s more than one way to retire early

People call it FIRE: financial independence, retire early. Pick the version that sounds like you, or try all five.

Leanjust the basics

Rent, food, getting around, health care.

Regularsame as now

Keep living the way you live today.

Fat1.5× today

More travel, nicer things.

Coaststop saving now

Your savings grow on their own until 65.

Baristapart-time until 65

Quit the full-time job, keep a little income.

10,000 markets per plan 4% withdrawal rate, or pick your own 59½ when 401(k)s open without a penalty Everything in today’s dollars

It stays on your phone

You don’t have to log in to your bank. Type your balances in or import a statement. Your data is saved on your iPhone, encrypted.

Privacy policy

  • EncryptedLocked with a key in your iPhone’s Keychain. Turn on Face ID if you want.
  • No trackingWe don’t sell anything about you. The free version shows ads, but they aren’t personalized and never see your money.
  • AI on the phoneThe assistant doesn’t send your questions to a server.
  • Leave anytimeExport a backup, or delete everything.

Pick what you need

Start free. Upgrade when you want more, cancel whenever you like. Paying yearly saves about 30%.

Free

$0

  • Net worth, budget and goals
  • One retirement plan
  • Shows ads

Plus First month free

$3.99/month or $34.99/year

  • No ads
  • AI assistant
  • Save 3 plans and compare them
  • Bridge accounts for retiring before 59½
  • Charts you can tap and zoom

Premium First month free

$5.99/month or $49.99/year

  • Everything in Plus
  • Unlimited saved plans
  • Share with your spouse or partner
  • Link your bank (coming soon)
What’s in each plan
FeatureFreePlusPremium
Price$0$3.99/mo
or $34.99/yr		$5.99/mo
or $49.99/yr
Free trial—First month freeFirst month free
AdsYesNoneNone
Net worth tracking✓✓✓
Budget and statement import✓✓✓
Goals and money roadmap✓✓✓
Retirement plan, tested in 10,000 markets✓✓✓
Saved plans1 (current plan)3Unlimited
Compare plans side by side—✓✓
Bridge accounts (retire before 59½)—✓✓
Charts you can tap, zoom and open full screen—✓✓
AI assistant—✓✓
Spouse and partner sharing——✓
Bank linking——✓
coming soon

Questions people ask

Do I have to connect my bank?

No. Type your balances in, or download a statement from your bank’s website and import it.

What does “10,000 markets” mean?

The stock market doesn’t go up the same amount every year. Ember plays out your plan 10,000 times with different random years, including crashes, and counts how many times you don’t run out of money.

What’s a bridge account?

You pay a 10% penalty if you take money out of a 401(k) or IRA before 59½. If you retire earlier, you live on your regular savings and brokerage until then. Ember checks whether that money lasts.

Is this financial advice?

No. It’s a calculator for your own numbers. The decisions are yours.