FreeBy44 Blog

Practical FIRE for the Indian context.

Savings rate, lifestyle creep, corpus milestones, sinking funds — the signals that matter over 144 months.

FIRE tracker Indiamanual trackingaccount aggregator

How to Track Your FIRE Progress in India Without Linking a Bank Account

Track your FIRE progress in India without linking a bank account: the four signals to watch, a 10-minute monthly routine, and privacy-first tools.

Jul 26, 2026

Read →

lifestyle creepFIRE Indiasavings rate

How Lifestyle Creep Quietly Delays Your FIRE Date — and How to Catch It in the Same Month It Starts

Your savings rate looks fine but your FIRE date is receding. Here's the expenses CAGR metric that catches lifestyle creep the month it starts — India context.

Jun 1, 2026

Read →