The UK FIRE App Built for
Financial Independence
Stop relying on fragile spreadsheets and US tools that assume a 401k.
Track your ISAs, SIPPs, LISAs and your true UK FI number in £.
One broken formula can push your FI date back by years — and every “one more year” costs you a year’s salary.
30 days free · Cancel anytime · Built in Britain, for British finances
Powerful Tools for Your FI/RE Journey
Everything you need to accelerate your path to financial independence
Maximise Your Savings Rate
UK-optimised budget tracking that understands ISA allowances, SIPP contributions, and the LISA 25% government bonus.
Safe Withdrawal Rate (SWR)
Factor in UK State Pension (£11,502/year from age 67) and ISA tax-free withdrawals when calculating your sustainable retirement income.
UK Debt Tracking
Track mortgages, credit cards, and car finance. Understand UK mortgage overpayment rules and whether overpaying your student loan actually makes sense.
Track Your FI Number
Your UK FI number is different from the US — NHS eliminates healthcare costs, and State Pension provides a baseline income. We calculate it correctly.
How FIRE Finance Works
Your journey to financial independence, simplified and accelerated
Track Your Progress
Input your financial data, Fire Finance helps you calculate your path to financial independence.
Optimize Your Strategy
Test your plan against the 4% Rule and different withdrawal rates, and see how Sequence of Returns Risk could affect you as your retirement date approaches.
Monitor Growth
Watch your savings, investments, net worth grow and passive income streams develop with our comprehensive tracking tools.
Reach Independence
Reach your FIRE goals faster with data-driven insights, and the latest news and tips from the world of finance and the FI/RE community.
Budgeting Tools
Fuel Your Savings Rate, Feed Your FI/RE
Optimize your budget for maximum savings and investments without sacrificing what matters most to you.
- FIRE-focused budget tracker
- Track all income & expenses
- AI optimisation suggestions (coming soon)
- Stick to your savings & investment goals
Asset Tracking
Watch Your Money Work Harder Than You Do
Track every saving and investment on your path to financial independence with our comprehensive asset tracking tools.
- Set goals for savings and investments
- Keep on top of your emergency fund
- Monitor progress of every asset
- Watch your overall assets grow
Debt Tracking
Clear Your Debt Faster
Our Principal Payback Method accelerates your debt-free timeline by targeting principal balances more efficiently than traditional approaches.
- Use our calculators to payoff debt faster
- Track all debt balances in one place
- AI payment prioritisation (coming soon)
- Watch as reducing debt accelerates your FI/RE journey
Net Worth Tracking
Watch Your FI Number Get Closer Every Day
Visualize your complete financial picture and countdown to independence with our comprehensive net worth tracking tools.
- Automated FI number calculations
- Coast/Barista/Lean/Fat FI indicators
- Track your net worth over time
- Milestone tracking towards your FIRE number
Simple, Transparent Pricing
Expert Tools. No 1% Fees.
A UK IFA charges 1% ongoing — that's £10,000/year on a £1M portfolio just to show you a pie chart. FIRE Finance gives you better data for less than the price of a monthly coffee.
Choose the plan that fits your financial goals
Basic
Perfect for getting started with your financial journey
- Budget tracking
- Debt tracking
- Goal tracking
- UK FIRE calculators
- Latest UK personal finance news
- Pays for itself by finding 1 missed subscription.
Pro
Advanced features for serious financial planning
- Everything in Basic
- Account management (coming soon)
- Custom categories
- Track your net worth
- Export data
- Pays for itself by spotting one asset outside your ISA wrapper.
AI Powered
Intelligent insights powered by artificial intelligence
- Everything in Pro
- Personalised alerts & reminders
- AI budget optimisation
- AI debt reduction strategies
- AI financial coaching chatbot
- Pays for itself by providing personalised financial insights.
All plans include a 30-day money-back guarantee
Why not just use a free spreadsheet?
You can. But a broken formula or a missed entry in a spreadsheet can skew your FI date by years.
The cost of FIRE Finance: £84/year.
The cost of "One More Year" syndrome: Your entire annual salary.
Don't let bad data keep you working longer than you have to.
Invest in accuracy.
Frequently Asked Questions
Everything you need to know about Fire Finance and your journey to financial independence
Every Journey Begins with a Single Step
Imagine waking up each day knowing you're one step closer to financial freedom.
No more anxiety about money. No more working just to pay bills. Just the peace of mind that comes from being in complete control of your financial future.
30 days free · Cancel anytime · Built for UK finances