Fire Tools
Growing wealth is simple. Most people make it complicated.
Build the boring portfolio. Retire on your terms.
Grow your skills. Trade them for a better salary. Save what you can without sacrificing your life. Max out tax-advantaged accounts (401k, ISA, pension). Dump the rest into low-cost, globally diversified index ETFs.
Don't know how to do all of that? Fire Tools does the math for you.
What it looks like
Mock data — your own numbers stay on your device.
Asset allocation
Globally diversified- Global stock ETFs80%
- Bond ETFs12%
- REITs5%
- Cash buffer3%
Years to FIRE
50% savings rate17years
Target €1.0M · 7% real return · 2.5% inflation
What you get
FIRE calculator
Project years-to-FIRE from savings rate, expenses, returns and inflation. Share scenarios via URL.
Monte Carlo
Probabilistic projections with configurable volatility and black-swan events.
Asset allocation
Track portfolio breakdown and get buy / sell / hold rebalancing hints.
Expense & net-worth tracking
Lightweight ledgers with CSV import/export — your bank, your rules.
Privacy-first
Client-side only by default. Sensitive data lives in AES-256-encrypted cookies on your device.
Self-hostable
A local backend (SQLite-first, Postgres-ready) ships via Docker Compose for power users.
Get Fire Tools
Desktop
macOS, Windows, Linux. Built with Electron — full read/write app, offline-first, your data stays local.
ReleasesSelf-host
One docker compose up. SQLite by default, Postgres via profile.
Mobile
Flutter app, tracked in #134. Coming as a separate repo.