Freedom Runway: FIRE Planner

Freedom Runway is an offline FIRE calculator and early retirement planner built for India. Work out your burn rate, how long your savings would last without income, the corpus you need to stop working, and how many years stand between you and financial independence. Every calculation runs on your device. There is no account, no cloud sync, no ads and no analytics. Your income, expenses and assets never leave your phone. WHAT IT CALCULATES • Burn rate — what you actually spend each month • Runway — how long your savings last with no income at all • Freedom number — the corpus that funds your expenses indefinitely • Time to freedom — when early retirement becomes realistic at your current savings rate BUILT FOR INDIA • Income tax under both the old and the new regime, including 4% cess and the 87A rebate • Old-regime deductions: 80C, additional NPS under 80CCD(1B), 80D and HRA exemption • Track balances across EPF, PPF, NPS, equity, gold and cash • See which assets are liquid today and which stay locked until retirement • Every figure in rupees, with no currency conversion STRESS-TEST THE PLAN Run a Monte Carlo simulation and a historical backtest against your own numbers, so the plan is tested against bad sequences of returns rather than a single average return. WHAT-IF SCENARIOS Model a raise, an expense cut, a windfall or a career break and watch every metric update immediately. Compare scenarios side by side and track how the picture moves month to month. MILESTONES See when you cross 25%, 50%, 75% and 100% of your freedom number. PRIVATE BY DESIGN • No account and no sign-in • No cloud sync — everything stays in local storage on your device • No advertising, no analytics and no third-party trackers • Works with no network connection: the app does not request the internet permission at all EVERYTHING INCLUDED Every feature is unlocked. There are no in-app purchases, no subscription and no paywall. NOT FINANCIAL ADVICE Freedom Runway is a calculator for educational and informational purposes. It does not provide financial advice, investment recommendations or tax guidance, and it does not manage money or execute transactions. Always consult a qualified financial adviser before making investment decisions.