The difference
Your plan deserves better than a grid.
Spreadsheets are where most FIRE plans are born, and where most of them quietly die of maintenance. Here is what changes when the plan becomes one connected document.
Getting started
A spreadsheet
A blank grid. You design the model, invent the formulas, and hope the compounding math is right.
Cashmere
Enter income, spending, and balances. The projection model (ranges, runway, savings rate) is already built.
When a number changes
A spreadsheet
You update one cell and hunt for every tab and formula that should have moved with it.
Cashmere
Change one assumption and the whole picture, your date included, updates together.
Testing a decision
A spreadsheet
Duplicate the file, fork the tabs, and try to remember which copy was the real plan.
Cashmere
Scenarios live beside the current path: solid line after the change, dashed line before it. Nothing forks.
Cards and insurance
A spreadsheet
Separate research in browser tabs, disconnected from what the plan can afford.
Cashmere
Compared inside the plan, by timeline and runway impact. Never as points-shopping or an upsell.
Maintenance
A spreadsheet
Formula rot, broken references, and a model only its author trusts.
Cashmere
Nothing to maintain. The model is the product; your job is only the numbers that are true about your life.
How it feels
A spreadsheet
A tool you administer.
Cashmere
A document you read quietly, on the train, without dread.
Two ways in
Build your private workspace.
Start with your income, spending, savings rate, and runway. Cashmere turns them into a FIRE timeline. Free, and no bank login required.
Not ready yet?
Read along instead.
Field notes on buying back time, published in the Cashmere Edition as they are ready.