About myfi planner
Built by someone on the journey.
For everyone else on theirs.
myfi planner is a privacy-focused FIRE planning tool, no AI training, no bank logins, no data sharing.
Track your income and expenses, project your path to financial independence, and monitor your
net worth, all in one place. Designed to evolve with you at every stage of your journey.
Why this exists
I'd been wanting to turn my spreadsheets into an app for a long time, well before I even hit my FIRE number.
Juggling overly complicated formulas across multiple sheets was one thing,
but I also realised that my concerns after reaching FIRE were completely different from when I was building toward FIRE.
It turns out different phases of the journey have different needs, even when the numbers are the same.
Turning the spreadsheet into a web app opened up a lot more room to build richer features for each phase of FI.
The features grew from my own experience, from tried and true methods in accumulation,
to post-FI tools as I navigate the withdrawal phase and its very different needs.
Having a proper platform means I can finally bring the whole journey together in one place.
But the vision was always bigger than just the tools. I also wanted a place to share the
journey itself, through writing about FIRE, simple living, and the things I've learned along
the way, as well as simple, healthy, budget-friendly recipes I want to share.
Most importantly, I wanted the writing and the tools to be connected; guides where you
can interact with the actual calculators, widgets and projections inline, not just read about them.
I couldn't find a single platform that could support interactive content
alongside personal writing. So I built one.
What you will find here
The App
- Scenario-based projections and FIRE planning
- Net worth tracking and visualization
- Itemized income and expense tracking
- Multi-currency support with live exchange rates
- Privacy-first, local storage, no bank logins
Guides
- FIRE concepts explained clearly, without the jargon
- Simple living, mindful spending, and managing expenses
- Conservative assumptions, shown and explained
- Curated resources that shaped the thinking behind the tools
Andrew's Corner
- An honest blog from an ongoing lean FIRE experiment
- Simple recipes I love, that are both cheap and healthy
- Videos on FIRE and simple living on YouTube
How it came to be
myfi planner didn't appear overnight. It's the result of several years of iteration, failed
experiments, and lessons learned from using the wrong tool/platform before building the right one.
2022
Frugal Manual
A WordPress blog to document the FIRE journey, share money saving tips. The legacy PHP stack was too bloated
and made building custom financial tools impractical.
2023
Ghost Platform
Switched to Ghost, a modern Node.js blogging platform. Cleaner and faster, but still
not the right platform for the hybrid tools & blog vision I had in mind.
2024
Simply Freely
First attempt at building the vision from scratch. More of a prototype than product, but it
proved the idea was the right approach for my needs.
2026
myfi planner
Built from the ground up with scalability and maintainability as first principles.
Everything learned from the previous iterations went into this.
The values behind myfi planner
Your financial data is yours
Financial data is some of the most personal data you have, and companies have been quietly
monetising it for years. Every feature in myfi planner is thoroughly thought through with
privacy as a first principle, not an afterthought. Your data stays on your device, with no
third-party sharing and no selling your data to anyone. Ever.
Purpose before profit
While I hope this project becomes an income stream for me someday, that is not the only reason it got built.
I genuinely want to help people understand their finances and feel in control of their future.
The product always comes before the business model.
The core experience will always be free and genuinely useful, with everything I used to track my way towards my financial independence.
Sustainable by design
The same philosophy I apply to my life, fitness and finances applies here: no shortcuts, no hacks.
Every decision is made with the long term in mind, this isn't an AI-generated app thrown together overnight.
It's built and maintained by one person, which means it's not perfect, but is intentional.
Disclaimer
myfi planner is for educational purposes only. The tools, posts, and content here are
meant to help you think through your own financial journey — not to replace professional
advice. Nothing on this site is personalised financial guidance. Please read the full
disclaimer and privacy policy.
