Published as FI-RE. A free planner for Financial Independence, Retire Early, built around Indian numbers: rupees, lakh and crore, SIPs and home loans. Everything runs in the browser. There is no sign-up, and your numbers never leave your device.
What it does
- Calculators: lump sum, step-up SIP, home loan (the full cost of a home, not just the EMI, with prepayments) and monthly income from savings (SWP).
- FIRE planner: enter your baseline once, then see your FIRE number, the SIP you need and the age you reach financial independence.
- Lab: drop life events onto a month-by-month timeline (loans, a new child, a sabbatical, a job loss, salary hikes) and watch the plan change.
- Scenarios: save versions of a plan and compare up to three side by side.
- Your data: see everything the app has saved in your browser, delete it, or back it up to a file and restore it on another device.
What’s next
- v0.2: a PDF report to share with a spouse or adviser
- v0.3: Monte Carlo simulation, the chance a plan holds up through good and bad years
- v0.4: after-tax numbers
- v0.5: EPF, PPF and NPS with their own rules
- v0.6: an expense tracker
- v1.0: an installable app that works offline