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.
- No bank linking, ever
- Private by default
- Free forever
- No credit card needed
- Sign up takes about 20 seconds
The whole journey, one quiet line
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.
Why track by hand?
The privacy-first alternative to bank-linking trackers.
Manual entry sounds like more work. It’s actually the point: two minutes a quarter, zero accounts handed over, and a number you completely trust because you entered it yourself.
And here’s the part nobody warns you about: it doesn’t stay a chore. Typing your numbers in takes a couple of minutes — but the second you hit save, Fuego fans them into a living spread, a trajectory, and a dozen quiet insights. Watching that picture sharpen quarter after quarter turns a five-minute update into a ritual you genuinely look forward to. Fair warning: it’s a little addictive — in exactly the way compounding should be.
No bank linking, ever
Aggregators like Mint and Empower want your bank passwords. Fuego never asks. You type your balances once a quarter — that’s the whole deal.
Your numbers stay yours
Everything lives in your browser by default. Create a free account only if you want it synced across devices — encrypted, and visible to you alone.
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.
Everything the FIRE journey needs
From “what am I worth?” to “when can I retire?”
And you don’t have to be chasing FIRE to live here — if you just want a clean, private place to keep tabs on your money, everything below works beautifully. The FIRE math waits quietly until you’re curious.
Your FI number & the 4% rule
Set your target spending and Fuego computes the number you’re actually aiming for — and how many years of expenses you’ve banked so far.
Coast FIRE, made plain
See the moment you can stop contributing and still glide to financial independence on growth alone — with the date, in words a human can read.
The withdrawable engine
Not all net worth funds retirement. Fuego separates the assets that can actually pay you a 4%-rule paycheck from the home you live in and the car you drive.
What-if projections
Drag contributions, spending, and returns and watch your FI date move in real time. Answer “what if I saved $500 more a month?” in seconds.
A quarterly balance sheet
Every account, every quarter, in one clean sheet — with trends, allocation drift, and a year-in-review that reads like a story.
Logbook & exports
Track what you put in each year in a separate savings logbook, and export the whole picture to PDF or Excel whenever you like.
How it works
Three steps, then a habit.
01
Add your accounts
List what you own and owe — brokerage, retirement, cash, property, crypto, debts. Names and balances, nothing linked.
02
Update once a quarter
When a quarter closes, spend two minutes entering where each account stood. Fuego keeps the history and draws the trend.
03
Watch FI approach
Your net worth, FI progress, Coast-FIRE date, and projections update instantly — a clear read on how close you really are.
Questions
The short version
- Is Fuego really free?
- Yes — completely free, with no paid tier and no ads. 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?
- By default, only in your browser. If you create a free account, it syncs across your devices — encrypted, and visible only to you.
- 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.
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.
Free forever · No credit card