FreeBy44 tracks your corpus, savings rate, and FI ratio for the Indian context — and flags lifestyle creep before it costs you years. Manual entry. No bank access. No ads. Free.
No bank login. No ads. No account needed to start.
Savings rate
52.4%
Next milestone
₹1 Cr ↗
The Dilemma
You know your FIRE number. You update your corpus every quarter. You have a savings rate target.
But your spreadsheet won't tell you when your expenses CAGR is quietly outpacing your salary growth. It won't flag that your savings rate slipped four points this financial year. And it won't show you whether the new expenses that keep propping up — the car, the school fees, the eating out that became a habit — have pushed your FIRE date back by a year.
The apps that could surface these signals want your bank login, your Gmail access, and your SMS messages. One popular tracker reads your bank messages and connects to your primary Gmail to track investments. Their own terms state your data may be shared with partner NBFCs, banks, and insurance companies.
So most people stay with the spreadsheet. And the creep continues, quietly.
What FreeBy44 does instead
Your FIRE plan is already set. These four signals catch the small drifts — savings rate, lifestyle creep, milestones, and sinking funds — before they quietly derail it.
YOUR FIRE PROGRESS
Enter your corpus and your FIRE target. FreeBy44 shows your FI ratio — how far you've come, how far you have to go — and projects your FIRE arc year by year. In rupees and crores, for 25x, 30x, or 40x goals. No 401k math. No dollar assumptions.
DRIFT DETECTION
FreeBy44 watches your savings rate and expenses month over month. When your expenses CAGR starts outpacing your salary growth, you see it — this month, not twelve months later when the damage compounds.
SINKING FUNDS
Set aside money for travel, a wedding, a car — and track it separately from your FIRE corpus. When you spend a sinking fund, your FIRE number stays honest.
PRIVACY BY DESIGN
FreeBy44 knows only what you type. No Gmail permissions. No SMS access. No bank credentials. Your financial picture stays in your hands — and off everyone else's servers.
See it in action
FIRE corpus, FI ratio, next milestone, and three drift signals — all on one page.
FIRE corpus
₹2.4 Cr / ₹8 Cr
Projected corpus year by year, with milestones marked. Milestone markers colored by status — on track, ahead, or behind.
Projection · 12% return
₹8.0 Cr by Mar '38
Add your corpus, FIRE target, and savings rate. Two minutes the first time.
Update your corpus and savings figures once a month. The dashboard shows your FI ratio, savings-rate trend, and your lifestyle-creep signal — all on one screen.
When your savings rate dips or your expenses CAGR starts moving the wrong way, FreeBy44 flags it. You have the whole month to course-correct before it affects your FIRE date.
FAQ
It's a monthly 10-second check, not daily logging. You enter your corpus and savings figures once a month — the same numbers you'd glance at in your spreadsheet anyway. The difference is FreeBy44 turns those numbers into signals your spreadsheet can't give you on its own.
Automatic pull means granting bank or demat access, Gmail permissions, or SMS reading rights. Those apps can see everything you see when you log into your bank. FreeBy44 trades that convenience for something more valuable: your data never leaves your own hands.
Spreadsheets track. They don't warn. Your sheet won't tell you when your expenses CAGR is creeping above your salary growth, or flag that your savings rate slipped this quarter. FreeBy44 surfaces those signals — the ones that tell you drift is happening before it compounds into years off your FIRE date.
Free to use now, with no monetisation currently. If a paid tier comes later, it will be a straightforward upgrade — not data harvesting. The product is built privacy-first. Monetising your data would contradict the whole point of building it this way.
No bank login. No ads. No account needed to start.
Manual entry only. Your data never leaves your browser unless you choose to save it.