Overview
GenFIRE
GenFIRE is a financial independence planning calculator that helps you estimate your FIRE timeline, savings needs, FIRE target, and planning assumptions.
Projection
Path to target
Projection
Outside projection
Plan health
Your plan at a glance
Defensive
Conservative
Balanced
Growth
Aggressive
Position is based on return-rate risk mix and financial readiness.
Preferred FIRE timing result
Set preferred year
This is a planning estimate, not a guarantee. Use it to spot weak areas and test different scenarios.
Saved plan
My GenFIRE Plan
Current
No saved session loaded.
Log in to sync plans across devices.
Build your plan
Your inputs. Your next steps.
Work through the five sections below, then select Refresh / show results to update your dashboard.
Your input White, outlined fields can be edited.
Calculated result Display only; updated from your inputs.
01 / Assumptions
Target assumptions
Start with your age, planning dates and FIRE target assumptions.
02 / Assets
What you own now
Enter each asset's current value below. We add them up for you.
Calculated · display only
Total assets
To change this total, edit the asset values below.
Calculated · display only
Weighted average return
Based on assets included in FIRE projection.
Additional assets
03 / Liabilities
What you owe now
Enter outstanding balances and annual interest rates. Add monthly repayments in Cash flow.
Calculated · display only
Total liabilities
To change this total, edit the loan and debt balances below.
Interest uses a reducing balance and an effective annual rate, converted monthly as (1 + annual rate)^(1/12) - 1. Interest is added before each month's repayment. Bank schedules, fees and flat-rate car loans may differ; use an equivalent effective rate for this estimate.
Additional liabilities
04 / Monthly cash flow
Cash flow
Enter monthly income and expenses. Savings, savings rate and budget totals are calculated for you.
Add cash flow range
05 / Savings rules
Savings allocation
Choose where spare money goes and how shortfalls are covered, in priority order.
Add savings rules range
Review inputs first to update calculated values and check for errors.
Review inputs to update calculated values and explanations, then Refresh / show results to update the graphs. Any input change requires another review.Resources for planning and wellbeing
Financial planning references and wellbeing reading, organised separately so you can find what you need.
FIRE learning and planning resources
Free public reading on financial independence and early retirement, with Malaysian planning references.
Learn about FIRE
Start with a public introduction to financial independence and early retirement, including the main ideas, trade-offs, and risks.
What is FIRE, and how does it work?
FIRE stands for Financial Independence, Retire Early. This introduction explains how spending, saving, and investing relate to making paid work optional, along with different FIRE approaches and the risks of retiring early.
Read Schwab's introduction to FIREThis guide is published by Charles Schwab, a U.S. financial services firm. Use it for general FIRE knowledge: U.S. tax, pension, and health-insurance rules do not automatically apply in Malaysia. This is educational reading, not a recommendation to buy a product or change your investments.
Malaysian planning references
Understand EPF withdrawals
Check the official age 55 and 60 withdrawal rules and eligibility. For early retirement, consider which savings you can access before relying on EPF; other withdrawal options have their own conditions.
Read EPF's withdrawal guidanceExplore inflation and living costs
Review official Malaysian Consumer Price Index trends by category and state when revisiting your spending assumptions. Your household's inflation can differ from the national headline figure.
Explore DOSM's consumer price dataCheck investment providers
Use SC's Investment Checker to check whether a person or entity is authorised to provide capital-market products or services in Malaysia. Authorisation is not a guarantee of returns or protection from investment losses.
Open SC's Investment CheckerHow to use the calculator
Follow the input steps and worked examples, then review assumptions and planning limitations in the same guide.
Read the calculator guide and limitationsWellbeing resources
Optional reading and practical reflection for depression and low mood.
The Courage to Be Disliked
Ichiro Kishimi and Fumitake Koga. Atria Books, 2018. ISBN 9781501197277.
A dialogue introducing Adlerian ideas about choice, relationships, and belonging. GenFIRE's practices are original adaptations inspired by these themes, not quotations, an official companion, or a clinically validated treatment.
The exercises cover choice, purpose, courage, separation of tasks, freedom, community feeling, horizontal relationships, self-acceptance, confidence in others, contribution to others, and the life tasks of work, friendship, and love.
Reference link only. No affiliate relationship or endorsement is implied.Understand symptoms and find support
A self-help book offers a perspective, not a diagnosis. Depression is not a failure of choice or courage. Support, treatment, and changes to difficult conditions can matter.
Use a qualified health professional for diagnosis and treatment.About GenFIRE
Two free tools, two separate spaces. Choose financial planning or a wellbeing check-in.
FIRE calculator
Financial independence planning
GenFIRE: free Malaysia FIRE & retirement calculator
Could your savings support the life you want? Explore when work could become optional, how much you may need, and what changes when income, expenses or loan repayments change.
Free to use. No account needed to try. No bank connection required.
Built with Malaysians in mind; other countries can use their own currency and assumptions. Educational estimates, not financial advice or guaranteed returns.
What could your FIRE target be?
Start with this spending-based example. These sample numbers are not recommendations.
Illustrative target in today's money
MYR 3,000 x 12 months x 25 = MYR 900,000
This is spending x 12 x multiplier, not a retirement forecast. It does not account for future inflation, returns, debts or tax. Values stay in this page and are not saved or copied into your plan.
Go beyond a single retirement number
Plan around Malaysian finances
Model employee and employer retirement contributions, MYR spending and loan repayments. Keep retirement funds separate from money available for early retirement. Check EPF access rules yourself; the app does not enforce every eligibility rule.
Let your budget change with life
Use year ranges for salary changes, income stopping or expenses continuing. Review house loans and car loans alongside the savings you could build after repayment.
Understand the calculation
Explore included and outside-projection assets, inspect graph breakdowns and adjust assumptions. Try without an account; log in only when you want to sync saved plans across devices.
Your first plan, step by step
- Set your assumptions. Start with your age, inflation and retirement spending.
- Add your financial picture. Enter asset values, loan balances, monthly income and expenses. Estimates are fine for exploring a scenario.
- Review and adjust. Choose saving priorities, click Review inputs and fix any highlighted errors, then select Refresh / show results. Review again after making changes.
Already have a plan? Opening Plans keeps your current inputs; it does not reset them.
How to plan for FIRE in Malaysia
Estimate a retirement target, account for inflation, and distinguish accessible savings from retirement funds. Our guide shows how to model income stopping while expenses continue, with worked examples and official Malaysian references.
Read the Malaysia FIRE calculator guideWellbeing
Wellbeing check-in
A separate self-reflection space for adults aged 18 and above who experience consistently low mood or are concerned they may have depression. You do not need a diagnosis to use it.
Notice your mood and energy, write at your own pace, and explore optional reflection practices. Skip any question. This is not a diagnostic test, treatment or crisis service; seek professional support if symptoms persist, worsen or affect daily life.
Free to try. Log in before writing if you want to save an entry; unsaved drafts are cleared when you leave or reload.
Explore wellbeingFinancial planning and wellbeing FAQ
Is GenFIRE free to use?
Yes. The financial calculators and wellbeing reflection tools are free to use. You can try both without an account. Login is required to save wellbeing entries or sync financial plans across devices. Optional donations support the project but are not required to use either tool.
Is GenFIRE only for Malaysians?
GenFIRE is built with Malaysian users in mind, including practical cash-flow, debt, savings, and retirement planning workflows. Users in other countries can also use it by choosing their preferred currency and entering assumptions that fit their situation.
Is GenFIRE financial advice?
No. GenFIRE is an educational planning calculator. It helps you explore scenarios, but it is not financial, investment, tax, legal, retirement, or professional advice.
Who can see my wellbeing entries?
Unsaved writing stays in the current tab and is cleared when you leave, reload, or log out. Saving requires login and your explicit agreement. Only the owning account can open saved entries in the app; they are not shown to other users or in the admin dashboard, and are not sent to an AI provider. Storage is not end-to-end encrypted, so authorised infrastructure operators may technically access stored data. You can delete saved entries at any time.
Does Wellbeing replace professional care?
No. Wellbeing provides self-reflection tools, not diagnosis, therapy, medical advice, or crisis support. Personal ratings are not diagnostic tests, and entries are not monitored. Consider a qualified health professional if symptoms persist, worsen, or affect daily life. In immediate danger, contact local emergency services.
Admin
GenFIRE admin dashboard
Private owner view for traffic, account, and calculator activity.
Log in with an admin account to view metrics.