A comprehensive FIRE (Financial Independence, Retire Early) planning tool built for Singapore residents. Runs entirely in your browser — no server, no accounts, no data leaves your device.
Try it live at sgfireplanner.com →
Most retirement calculators are too simple (multiply expenses by 25) or US-centric. fireplanner is built from the ground up for Singapore:
- CPF integration — contribution rates by age bracket, OA/SA/MA interest, extra interest on first $60K, BRS/FRS/ERS projections, CPF LIFE payouts
- Singapore tax — progressive income tax with personal reliefs, SRS deduction, employer CPF
- Property analysis — Bala's Table leasehold decay, BSD/ABSD, HDB monetization (subletting, right-sizing, Silver Housing Bonus)
- SGD-denominated — all values in Singapore dollars with historical USD/SGD conversion
Enter your financial situation across guided sections — income, expenses, net worth, CPF, asset allocation, financial goals, healthcare, and property.
- Guided onboarding — answer a few questions and get a pre-configured plan, or build from scratch
- Income engine — 3 salary models (simple growth, career phases, MOM benchmarks), multiple income streams, life events with disruption templates
- Financial goals — plan for wedding, education, housing, car, and other milestones with FIRE impact analysis
- Asset allocation — 8 asset classes with pre-built templates, Markowitz portfolio stats, correlation heatmap, glide path configuration
- Healthcare planning — MediShield Life, ISP, CareShield Life, out-of-pocket projections with age-curve modeling
See your full financial trajectory from now until end of life, in real or nominal dollars.
- 6 withdrawal strategies — Constant Dollar (4% rule), VPW, Guardrails, Vanguard Dynamic, CAPE-Based, Floor-and-Ceiling with side-by-side comparison
- Income breakdown — salary, tax, CPF, savings, investment returns, all in one table
- Chart and table views — toggle between visual chart and detailed data table
Run 10,000 Monte Carlo simulations, historical backtests, and crisis scenario replays.
- Monte Carlo simulation — 10,000 runs with parametric, historical bootstrap, or fat-tail (Student-t) methods via Web Worker
- Historical backtesting — Bengen-style rolling window analysis across US, Singapore, and blended datasets with SWR heatmap
- Sequence risk stress testing — replay historical crises (GFC, Asian Financial Crisis, dot-com, etc.) with mitigation strategies
Your FIRE plan at a glance — key metrics, risk assessment, passive income coverage, and what-if scenarios.
- FIRE dashboard — headline metrics, risk assessment across 6 dimensions, passive income breakdown, one-more-year analysis
- Cash flow waterfall — stacked area chart showing income sources vs expenses across your entire lifecycle
- What-If explorer — adjust income, expenses, returns, and SWR with instant delta feedback; disruption tab to stress-test job loss, disability, and recession scenarios
- Scenario comparison — save up to 5 named scenarios and compare side-by-side
- 100% client-side — all computation runs in your browser, heavy simulations in a Web Worker
- LocalStorage persistence — your data auto-saves and survives page refreshes
- JSON export/import — download your full plan as a file and restore it on any device
- Excel export — download detailed projection tables as .xlsx
- URL sharing — encode key parameters in a shareable URL
| Layer | Technology |
|---|---|
| Framework | React 18 + TypeScript 5.7 |
| Build | Vite 6 |
| Routing | React Router 6 |
| State | Zustand 5 (6 stores with localStorage persistence) |
| UI | Tailwind CSS 3.4 + shadcn/ui |
| Charts | Recharts 2 + D3.js 7 |
| Forms | React Hook Form 7 + Zod 3 |
| Tables | TanStack Table 8 |
| Simulation | Web Worker (Monte Carlo, backtest, sequence risk) |
| Export | exceljs (client-side Excel generation) |
| Testing | Vitest (1,400+ tests) |
# Clone the repo
git clone https://github.com/RemarkRemedy/fireplanner.git
cd fireplanner/frontend
# Install dependencies
npm install
# Start development server
npm run devOpen http://localhost:5173 in your browser.
npm run dev # Vite dev server
npm run build # Production build
npm run type-check # TypeScript checking
npm run lint # ESLint
npm run test # Run all tests
npm run test:watch # Watch mode
npm run test:coverage # Coverage reportfrontend/src/
├── pages/ # Route components (Start, Inputs, Projection, etc.)
├── components/
│ ├── ui/ # shadcn/ui primitives
│ ├── layout/ # Sidebar, header, help panel
│ ├── profile/ # FIRE profile inputs
│ ├── income/ # Income engine, life events
│ ├── allocation/ # Asset allocation builder
│ ├── goals/ # Financial goal planning
│ ├── healthcare/ # Healthcare cost modeling
│ ├── simulation/ # Monte Carlo controls & charts
│ ├── withdrawal/ # Withdrawal strategy comparison
│ ├── backtest/ # Historical backtest results
│ ├── dashboard/ # Dashboard panels & charts
│ ├── property/ # Property analysis
│ └── shared/ # CurrencyInput, tooltips, etc.
├── stores/ # 6 Zustand stores
├── hooks/ # Derived metrics, projection, simulation queries
└── lib/
├── calculations/ # FIRE, CPF, tax, income, withdrawal, projection
├── simulation/ # Monte Carlo, backtest, sequence risk (Web Worker)
├── math/ # Cholesky decomposition, seeded RNG, statistics
├── data/ # Historical returns, CPF rates, tax brackets, etc.
└── validation/ # Zod schemas + cross-store validation rules
| Asset Class | Source | Period |
|---|---|---|
| US Equities (S&P 500) | Damodaran (NYU Stern) | 1928-2024 |
| US Bonds (10-yr Treasury) | FRED | 1928-2024 |
| SG Equities (STI) | SGX + MAS | 1987-2024 |
| International Equities (MSCI World) | MSCI | 1970-2024 |
| REITs | FTSE NAREIT | 1972-2024 |
| Gold | World Gold Council / LBMA | 1968-2024 |
| Cash (T-Bills) | FRED | 1928-2024 |
| SG CPI | SingStat | 1961-2024 |
fireplanner is a static site — no server required. Deploy to any static host:
npm run build
# Output in dist/ — upload to Vercel, Netlify, GitHub Pages, etc.fireplanner is an educational tool for financial planning exploration. It is not financial advice. The projections are based on historical data and assumptions that may not reflect future performance. Consult a qualified financial advisor before making investment decisions.
Contributions are welcome! Please open an issue to discuss your idea before submitting a PR.