A free, all-in-one planner for Financial Independence & Early Retirement. Here's exactly what it does, the tools you get, and the five-step path to your number — no login required to read this.
What it does
Enter your income, expenses, investments, and goals. Fire Finance turns those numbers into a year-by-year projection of your wealth — and the exact SIP, age, and return you'd need to hit your target.
Income, monthly expenses, current investments, and a target retirement age. That's all it needs to start.
Get your FIRE corpus target, a recommended monthly SIP, and a wealth chart projected decades ahead.
Tweak assumptions, compare scenarios, and let the solver find the smallest change that makes your plan work.
Your toolkit
Change a number once and every projection updates. Core planning is free forever; a few advanced tools are Pro.
Your corpus target, recommended SIP, and a year-by-year wealth projection to age 90.
Track every SIP and lump sum with per-asset return, step-up, and future value.
SIP, lump-sum, and step-up SIP calculators with instant charts — no spreadsheets.
Plan big goals with inflation-adjusted targets and the monthly SIP each one needs.
See where every rupee goes and your savings rate against FIRE benchmarks.
Assets minus liabilities, auto-categorized, with history and allocation.
Year-by-year withdrawal simulation that tests how long your corpus really lasts.
Save multiple “what-if” plans and compare them side by side.
Export a branded PDF of your full plan to archive or share with an advisor.
The roadmap
In order. Most people take 6–12 months on step 3 alone — and that's perfectly normal.
A cash cushion so you never sell investments at the worst time. Keep it in savings and liquid funds — never equity.
Auto-invest a fixed amount monthly. Aim for 20% of take-home; the habit matters more than the amount.
Diversify across market caps based on your age and horizon. Rebalance to your target once a year.
House, car, sabbatical — each gets its own bucket, timeline, and inflation-adjusted target.
Re-run the numbers every six months. Compare scenarios and let the solver keep your plan on track.
Local-first & private
Your data lives on your device by default. We never connect to your bank.
Free to start
Every core planning tool is free forever. Pro is optional, from just $1/month.
INR & USD
Switch currency anytime — every figure re-converts at the live rate.
Set up your plan in under a minute. No credit card, no bank login — just your numbers.