🔥 FIRE Calculator

A comprehensive Django web application for calculating and tracking your Financial Independence, Retire Early (FIRE) number with support for both USA and Indian contexts.

Features

🎯 Core FIRE Calculations

• FIRE Number Calculator: Calculate your target retirement amount using the 4% rule (or custom withdrawal rate)
• Years to FIRE: Estimate how long until you reach financial independence
• Progress Tracking: Visual progress bars and percentage completion
• Multi-Country Support: USA and India with different inflation and return rate defaults

📊 Monthly Tracking

• Track monthly income, expenses, and net worth
• Automatic savings rate calculation
• Historical data visualization
• Notes and annotations for each month

🎯 Goal Management

• Set financial goals (Emergency Fund, Debt Free, FIRE Number, etc.)
• Progress tracking with visual indicators
• Goal completion status
• Target dates and milestones

📈 Analytics & Insights

• Net worth growth charts
• Savings rate trends
• Income vs expenses analysis
• FIRE progress over time

🌍 Country-Specific Features

• USA Context: 2.5% inflation, 7% return rate, USD currency
• India Context: 6% inflation, 12% return rate, INR currency
• Automatic currency symbol display
• Country-specific default values

Technology Stack

• Backend: Django 5.0+
• Frontend: Tailwind CSS (CDN)
• Charts: Chart.js
• Database: SQLite (default), supports PostgreSQL/MySQL
• Package Manager: uv (recommended)

Installation & Setup

Prerequisites

• Python 3.8+
• uv (recommended) or pip

1. Clone and Setup

cd finance_planning_tracking/fire_calculator
uv sync  # Install dependencies

2. Database Setup

uv run python manage.py makemigrations
uv run python manage.py migrate

3. Create Superuser (Optional)

uv run python manage.py createsuperuser

4. Run Development Server

uv run python manage.py runserver

Visit http://localhost:8000 to access the application.

Usage Guide

1. Initial Setup

1. Visit the application and click "Login"
2. Create a new account or use the admin interface
3. Complete your profile setup with:
   • Country selection (USA/India)
   • Current age and target retirement age
   • Annual income and expenses
   • Current net worth
   • FIRE calculation parameters

2. Monthly Tracking

1. Navigate to "Monthly Tracking"
2. Add your monthly financial data:
   • Monthly income
   • Monthly expenses
   • Current net worth
   • Optional notes
3. View your tracking history and trends

3. Goal Setting

1. Go to "Goals" section
2. Create financial goals like:
   • Emergency Fund
   • Debt Free
   • FIRE Number
   • Coast FIRE
   • Custom goals
3. Track progress and update amounts regularly

4. Analytics

1. Visit "Analytics" to see:
   • Net worth growth charts
   • Savings rate trends
   • Income vs expenses analysis
   • FIRE progress visualization

FIRE Calculation Methods

Standard FIRE Number

FIRE Number = Annual Expenses × (100 ÷ Withdrawal Rate)

Years to FIRE

The application uses compound interest calculations to estimate years needed:

• Considers current net worth
• Accounts for annual savings
• Uses expected return rate
• Factors in inflation

Country-Specific Defaults

Country	Inflation Rate	Return Rate	Currency
USA	2.5%	7.0%	USD ($)
India	6.0%	12.0%	INR (₹)

Project Structure

fire_calculator/
├── fire_calculator/          # Main Django project
│   ├── settings.py          # Django settings
│   ├── urls.py              # Main URL configuration
│   └── wsgi.py              # WSGI configuration
├── fire_tracker/            # Main app
│   ├── models.py            # Database models
│   ├── views.py             # View logic
│   ├── urls.py              # App URL patterns
│   └── admin.py             # Admin interface
├── templates/               # HTML templates
│   └── fire_tracker/
│       ├── base.html        # Base template
│       ├── dashboard.html   # Main dashboard
│       ├── setup_profile.html
│       ├── monthly_tracking.html
│       ├── goals.html
│       └── login.html
├── static/                  # Static files
│   ├── css/
│   └── js/
├── manage.py               # Django management script
└── requirements.txt        # Python dependencies

Database Models

UserProfile

• User financial information
• FIRE calculation parameters
• Country context

MonthlyTracking

• Monthly income, expenses, net worth
• Automatic savings rate calculation
• Notes and timestamps

FireProgress

• Historical FIRE progress tracking
• Progress percentages over time

Goal

• Financial goal management
• Progress tracking
• Completion status

InflationData

• Historical inflation data
• Country-specific rates

Customization

Adding New Countries

1. Update FIRE_SETTINGS in settings.py
2. Add country choice in UserProfile.COUNTRY_CHOICES
3. Update currency symbols and default rates

Custom FIRE Calculations

Modify the calculation methods in UserProfile model:

• fire_number property
• years_to_fire property
• fire_progress_percentage property

Styling

The application uses Tailwind CSS. Customize by:

• Modifying classes in templates
• Adding custom CSS in base.html
• Updating color schemes and components

Deployment

Production Settings

1. Update settings.py:

   • Set DEBUG = False
   • Configure ALLOWED_HOSTS
   • Use environment variables for SECRET_KEY
   • Set up proper database (PostgreSQL recommended)

2. Static Files:

   uv run python manage.py collectstatic

3. Database:

   uv run python manage.py migrate

Environment Variables

Create a .env file:

SECRET_KEY=your-secret-key
DEBUG=False
DATABASE_URL=postgresql://user:pass@localhost/dbname

Contributing

1. Fork the repository
2. Create a feature branch
3. Make your changes
4. Add tests if applicable
5. Submit a pull request

License

This project is open source and available under the MIT License.

Support

For issues and questions:

1. Check the documentation
2. Review existing issues
3. Create a new issue with detailed information

Roadmap

• Advanced FIRE scenarios (Coast FIRE, Barista FIRE)
• Investment portfolio tracking
• Tax optimization calculations
• Mobile app version
• API endpoints for third-party integrations
• Export functionality (PDF reports, CSV data)
• Social features (anonymous community sharing)
• Real-time inflation data integration
• Multiple currency support
• Advanced analytics and forecasting

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Happy FIRE journey! 🔥💰