FIRE Calculator
Financial IndependenceIncome & Expenses
Monitor your monthly income and expenses for early retirement planning
Monthly Income
Your total monthly take-home pay
Total income
$0
Sum of your income sources below
Monthly Investments
Monthly contributions from your Assets
Total invested
$1,000
401(k)
$500
Roth IRA
$200
S&P 500 Index Fund
$300
Monthly Debt EMIs
Loan payments from your Liabilities
Total EMIs
$700
Auto Loan
$350
Student Loan
$200
Credit Card Debt
$150
Monthly Expenses
Your total monthly spending · sets your FIRE number
Total expenses
$0
Sum of your expenses below
Monthly Cashflow Summary
Where your money goes each month
Monthly Surplus
-$1,700
Enter your income above
Savings Rate
Enter your monthly income above to see your savings rate
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Model income, expenses, and debt service in one place
Your savings rate is the single strongest lever on time-to-FIRE. The Cashflow page splits monthly income into investments, debt EMIs, and expenses — each one a sibling, each one tracked separately — so you can see exactly where every rupee or dollar goes.
What you can do here
Income splits: salary, side income, rental, and any custom source you add.
Expense splits: living costs, subscriptions, travel, or custom categories — the total drives your FIRE number.
Debt EMIs surface automatically from the Liabilities page; no double entry.
Remaining-balance card shows surplus or overspend after investments and EMIs are accounted for.