Fuego

Built for the FIRE community

The private net worth tracker for people chasing FIRE.

Track your net worth by hand — no bank logins, no data harvesting — and watch a clear path to financial independence take shape. Fuego turns one quiet update a quarter into your FI number, your Coast FIRE date, and the honest story of where you stand.

or explore as a guest
  • No bank linking, ever
  • Two minutes a quarter
  • Free, always

Your progress, quarter by quarter

Watch a decade of compounding climb.

Every quarter you log becomes a point on the line — past $100K, past Coast FIRE, past $1M, all the way to the flag at your FI number. This is the chart Fuego quietly keeps for you.

Privacy, by construction

Your financial life. Not ours.

Fuego asks for a balance, not a login. No aggregator sits between you and your money, no live pipe watches every transaction, and no bank credential enters the product.

0

bank usernames, passwords, or connections requested

Fuego · privacy model Local-first

You enter · balance only

Brokeragebalance 01
Retirementbalance 02
Homebalance 03
Debtbalance 04

Local ledger

This browser first.

Only the numbers you choose to record.

Optional sync

Encrypted across your devices

Always portable

PDF and Excel, whenever you want

No bank credentials
No transaction surveillance
Delete or export anytime
  1. 01

    No bank linking, ever

    Aggregators like Mint and Empower want a live connection to every account you own. Fuego never asks. You type your balances once a quarter — that’s the whole deal.

  2. 02

    Your numbers stay yours

    Everything lives in your browser by default. Create a free account for optional cloud sync across your devices. Other users cannot access your private books unless you share them.

  3. 03

    Free, and it keeps your work

    Save it, sync it, export it, delete it — no upgrade required to keep your own numbers. Plenty of free plans elsewhere let you play with a projection and then lose it the moment you close the tab. Yours is still here next quarter.

  4. 04

    Built for the long game

    Quarterly, not obsessive. A calm cadence that shows the trend without the noise — the habit that actually compounds over a decade.

Read the privacy promise

One decision. A different future.

What would
five years buy?

An earlier finish, or more room to spend. Try the trade-off and see the answer—not another spreadsheet.

This is the same historical engine behind the Plan, using fictional numbers. Nothing to connect. Nothing to sign up for.

Fuego · try the Plan

Sample numbers

When would you stop working?

At 55, the model supports about $76K per year. Your starting point. Try another age to see the trade-off.

Example: age 40 · $750K invested · $2K saved monthly · 5% real growth before retirement.

70% stocks · spending through age 95 · clears 19 of 20 historical starts. Today’s dollars, before a reserve. Taxes and healthcare must fit within spending. Not a guarantee.

Explore Fuego with demo numbers

The big picture. The next save.

Give your savings a destination.

Net worth shows where you stand. The Logbook helps you make the saving happen.

Set a year-end target. Log each save. See what’s left—and the monthly pace that gets you there.

A little structure. A goal worth showing up for. Your Logbook stays separate from your net-worth balances.

Fuego · Logbook

Sample · Sep 1, 2026

Saved this year

$8,000

67%
67% of your $12,000 goal. $4,000 to go. About $1,000 a month from September 1 reaches it by December 31.

02 · Log a save

Earlier saves$8,000

Log a sample save to see the record grow.

Sample only. Nothing is saved to your account.

Try the real Logbook

How it works

Three steps, then a habit.

One example. From balances to perspective.

  1. Add your accounts

    What you own. What you owe. Just names and balances—no bank connection.

    Your balances

    Net worth
    $620K

  2. Record the quarter

    A quick balance update. A new point in your history. Your progress, kept.

    Q2 · 2026

    Recorded

    Net worth

    $620K

    +$40K since Q1

    Q1 $580KQ2 $620K

  3. See where you stand

    Your invested balance, measured against your financial independence target.

    FI funded

    60%

    $600K invested / $1M FI target

Illustrative balances, not a forecast. Your numbers tell your story.

Questions

The short version

Straight answers before you hand over a single number.

Is Fuego really free?

Yes. The core is free and stays free — no ads, no data selling, and no upsell to see your own numbers. Save it, sync it, export it, delete it, all without paying. It’s built and hosted by one person who wanted a private way to track net worth for FIRE.

Do I have to connect my bank?

Never. Fuego has no bank linking at all. You enter your balances by hand, once a quarter — that’s the entire model, and it’s deliberate.

Where is my data stored?

Guests keep their data in this browser. With a free account, a copy syncs to our cloud database and your other devices. Your books aren't public; sharing is your choice.

What is Coast FIRE, and does Fuego track it?

Coast FIRE is the point where your investments will grow to your FI number on their own, even if you stop contributing. Fuego shows whether you’ve reached it and when.

Is Fuego only for people chasing FIRE?

Not at all. At its heart, Fuego is a clean, private way for anyone to keep tabs on their finances — a quarterly balance sheet, trends over time, and a clear picture of where you stand. The FIRE math is there when you want it, and easy to ignore when you don’t.

Read the full FAQ

Start today

See where you really stand.

Create a free account in about twenty seconds and your numbers follow you to every device — or jump in as a guest to try it first. No bank to link, nothing to lose.

or explore as a guest

The core is free, always · No credit card