Your Path to Financial Independence (or FIRE)
Welcome, future FIRE-starter! Whether you’re drowning in debt, just broke up with your last credit card, or eyeing early retirement like it’s a slice of cake you actually get to eat — you’re in the right place.
This page is your launchpad for Financial Independence Retire Early. We’ve broken the journey into four practical, no-nonsense (okay, some nonsense) stages:
- Escaping the Debt Quicksand
- Growing Wealth Like a Money Plant
- Pulling the Trigger (on FIRE, not your budget app)
Each stage includes a handpicked set of calculators and tools — hosted on our internal SharePoint site — to help you figure out what’s next, how to plan for it, and maybe even how to sleep at night without money stress.
🚀 Ready to chart your course toward financial freedom (or at least get your wallet to stop crying)?
🐣Baby Steps – Escaping the Debt Quicksand
Every journey starts with a single (slightly panicked) step — especially when you’re staring at credit card balances and wondering where your money went. This stage is all about getting your financial footing, building a tiny emergency fund, and breaking up with bad debt once and for all. No judgment. Just progress.
🔧 Tools you’ll find: Budget builders, debt payoff planners, and net worth trackers to see the light at the end of the overdraft tunnel.
Net Worth Calculator
Because knowing where you currently are is the first little step.
Emergency Fund Calculator
Your shield against the world.
Debt Calculator
See how fast you can dig yourself out of debt, and tiny improvement is a massive win.
Bucket Budgets
The simplest way of spending, saving and thinking about investing.
📈 Growth: Build Wealth & Gain Momentum
Maximise savings, start investing, and accelerate your path to FIRE. Once the foundation is solid, it’s time to make your money work harder — reducing fees, growing your investments, and getting closer to your financial independence number.
FIRE Number Calculator
Check out your different options when it come to how much you need to invest.
FU Money
The Big Brother of the Emergency Fund
How Long Till Retiring
Get exited for the count down, try different numbers to see how it changes.
Investments Fees
See how much your fees are costing you.
🚀 FIRE Trigger: Retire Early (Safely)
Goal: Confirm you’re ready to retire early, protect your nest egg, and plan tax-efficient withdrawals. This is where you make sure your portfolio can sustain you, understand healthcare costs, and create a withdrawal strategy that keeps your money lasting for decades.
Well I only have one calculator for you, just too see if your money will last.