Track everything you own and owe, calculate when you can retire, and explore five FIRE strategies — all without creating an account or sharing a single number with anyone.
Most FIRE calculators do one thing. This one tracks your complete financial picture and shows both where you are and when you'll get there.
The app supports all five major FIRE strategies simultaneously — switch between them to understand how each changes your target number and timeline.
Most finance apps want your data. This one doesn't collect it, store it, or send it anywhere. Ever.
Most FIRE calculators are American. They assume 401(k)s, Roth IRAs, and Social Security. This one is built around the way UK finances actually work — ISAs, SIPPs, workplace pensions, and the State Pension that can significantly reduce how much you need to save.
| Feature | This calculator | Networthify | WalletBurst | fire.picheta.me |
|---|---|---|---|---|
| Net worth tracking | ✓ Full | Basic | No | No |
| FIRE strategies | ✓ All 5 | 1 | 1–2 | 1 |
| UK State Pension | ✓ Yes | No | No | ✓ Yes |
| No account required | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes |
| Installs as mobile app | ✓ PWA | No | No | No |
| Works offline | ✓ Yes | No | No | No |
| Zero data collection | ✓ Yes | Unclear | Ads present | Unclear |
| Monthly snapshots | ✓ Yes | No | No | No |
No sign-up. No subscription. No data leaving your device. Just open it and start.