Future Free

What it does

Future Free is a free financial independence planning tool designed to turn confusion into structured action. It evaluates your income, expenses, EMI burden, and financial behavior to generate a clear 24-month roadmap toward FIRE. No accounts. No data collection. No generic advice. Just rule-based analysis that helps you see where you stand and what to improve next.

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  MoneyOnFIRE2025 · moneyonfire.com · ▲21

  We’re Scott and Sunny—two long-time personal finance nerds. When we met 6 years ago we compared our personal finance spreadsheets. Ours were packed with macros, scenarios, and tax modeling—but even then, found they were not complete. Planning for financial independence is hard, and the cost of mistakes is high. So we built the tool we always wanted: MoneyOnFIRE. MOF calculates a personalized, tax-aware roadmap to financial independence—across account types, life goals, and withdrawal strategies. It shows you not just if you can achieve financial indepdendence, but how, when, and what to…

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