FIRECalc

There has been a lot of interest around FIRE (Financial Independence/Retire Early) lately. Even if one doesn't have much interest in retiring, having a sense of where you are in your financial independence journey is extremely important, as is the knowledge of how much would your savings last, or much more do you need, if you something happened to your job.

There are a few calculators that exist for this already but most of them assume a lot of things, e.g:

• Inflation rates

• Return on investments

• Your needs in terms of inflow/outflow/goals

And most of them are looking to sell you something, thus are biased.

I made this to be extremely flexible to account for almost any possibility.

• You can have multiple kinds of inflows and outflows of money.

• Some inflows or outflows may start or stop at different times (e.g. you have a side biz now that gets you some additional money but it grows at a different rate compared to your normal salary. Or you plan to have a passive income biz after you retire. Or maybe your expenses will change after you kids have their own jobs. All of these and more can be modeled)

• You can have many goals at different times, and all of them are impacted by different inflation rates (e.g. Education grows at 10%, while regular groceries at 7-8% and cars at 3-4%)

• You have different withdrawals going on for some time e.g. EMI payments

• You are very privacy conscious so you want to store your data locally in the browser so no one can see it ever

• E2E encryption built in: You are privacy conscious but want to share the data with someone else (because you want to show them your calculations, or you are doing it for someone else as a friend or financial advisor), you can generate sharing links while your data remains end to end encrypted.

• Collaborate: You can even collaborate with someone on the same model by sharing an editable link with them. When they make changes to it and generate the link again, the changes will be visible to anyone else with that editable or viewable link

• Many more