What is Lodestone?
Lodestone is a wealth tracker and FIRE planner built for Swedish households. It brings your investments, pensions, property, loans and cash into one place and answers the question the numbers are really for: when does work become optional?
One ledger, every view
Underneath everything is a single transaction ledger. Your balance sheet, your income and spending, your history and your FIRE projection are all derived from it, never typed in twice, never out of sync. Import a broker statement and every view updates at once: holdings with real average-cost basis, dividends in your cashflow, and a recalculated financial-independence date. Most trackers store balances; Lodestone stores what actually happened, so its numbers can be audited back to the source.
A FIRE date you can trust
Lodestone’s projection is tax-aware and access-aware. ISK and kapitalförsäkring pay schablonskatt, pensions pay avkastningsskatt and stay locked until their unlock age, and taxable accounts lose 30% of gains on withdrawal, the way it actually works in Sweden. That is why Lodestone reports two ages: the naive one (when total capital crosses your FIRE number) and the accessible one (the earliest age your spendable money bridges you all the way). A Monte Carlo simulation adds the odds your plan survives real markets. Try it on the free FIRE calculator.
Data in, without the chore
Drop in a CSV from Avanza or Nordnet, snap a screenshot of any statement and let AI read it, connect European banks through Open Banking, sync crypto wallets, or forward broker emails to your household’s private import address and the ledger maintains itself. Manual entry always works; it’s just rarely needed.
For households, not accounts
A household is the unit of financial independence, so it’s the unit in Lodestone. Invite your partner free of charge. Every member owns their items, and the household rolls up into one shared picture, one plan, one date. A read-only share link shows the overview to an advisor or family without handing over a login.
Who makes it, and what it costs
Lodestone is an independent product, built in Sweden for the Swedish and Nordic FIRE community. The core tracker (manual entry, imports, the balance sheet, cashflow and the FIRE projection) is free, with no card required. A Standard subscription adds automatic bank sync, the AI features, advanced dashboards and data export. Your data is yours: full CSV and JSON export, any time. It is a tracker and a planner, not a financial advisor. It never sells your data and never sells you funds.