CanFIRE: Expense Tracker, CPF

Track expenses, budget, income & assets. Plan CPF, SRS, insurance & retirement with CanFIRE: SG Expense Tracker & FIRE Planner.

Take control of your personal finance journey. Log every dollar, master your budget, track assets, and project your financial independence retirement age. CanFIRE combines a daily spending tracker and income manager with a retirement projection engine built for Singapore CPF contributors.

Manage your monthly budget, track net worth, or calculate your FIRE number. CanFIRE is a money manager and financial planner for Singapore citizens and PRs.

CanFIRE is an independent app, not affiliated with or endorsed by the CPF Board or any Singapore government agency.

🔥 FREE PERSONAL FINANCE & EXPENSE TRACKER FEATURES:

💰 Daily Spending & Income Tracker
Log daily expenses by category in seconds. Set a monthly budget and monitor spending vs plan via a live dashboard. Track income streams—salary, freelance, rental, and dividends—to keep your financial plan realistic.

🇸🇬 Singapore CPF Retirement Planning
Track your CPF balances against the BRS, FRS, and ERS at age 55. Estimate CPF LIFE payouts using CanFIRE's own estimate from CPF Board's published ranges.

📊 Live FIRE Number & Cash Flow Projection
View a year-by-year cash flow projection up to your target age on a live chart. See when you are on track for financial independence. A plain-English "Gap to FIRE" card estimates the savings change that would close the gap.

📖 Plain-English Budget & Wealth Debriefs
CanFIRE summarizes your projected trajectory (e.g., "Projected to hold through age 95"). Get a month-end money manager debrief explaining your budget performance, net worth changes, and retirement planning options.

📅 Flexible Life-Stage Financial Planner
Model future income and expense changes with specific start/end ages. Account for your mortgage, school fees, or CPF LIFE payouts so your wealth projection reflects real-world shifts.

💡 Personalized Action Items & Insights
Receive financial insights on your Home screen. Get savings rate summaries, CPF projections, coverage gap warnings and milestone celebrations.

🔒 100% Local Data Privacy & Secure Backup
Your personal finance data stays on your device. Expenses, income, assets, and insurance details are stored locally and never sent to a cloud server. No account required. Works offline. Export and restore via a secure .canfire file.

🌟 UPGRADE TO CANFIRE PRO FOR ADVANCED WEALTH MANAGEMENT:

🔀 What-If Scenario Financial Planner
Test financial decisions instantly. See how retiring 5 years earlier or saving an extra $500 a month impacts your retirement fund.

🛡️ Comprehensive Insurance Coverage Analysis
Visualize your insurance envelope chart and coverage matrix (Life, Critical Illness, Disability, Hospitalization). Identify coverage gaps alongside your CPF assets and spending tracker.

⚖️ Side-by-Side Financial Plan Comparison
Compare two distinct retirement planning paths side by side. Analyze changes to your nest egg size, monthly cash surplus, and funded-to age.

🌡️ Singapore Inflation Stress Test
Simulate economic shifts using Singapore CPI presets (1.5% to 6.2%) up to age 110 to safeguard your retirement nest egg.

📋 Row-by-Row Year-by-Year Financial Table
Pinpoint precisely when you face a budget shortfall with a detailed breakdown of income, expenses, and surplus at every single age.

📈 Advanced Net Worth Timeline & Reports
Access 6-month spending trends, category budget breakdowns, and a net worth tracker timeline. Export an annual PDF report perfect for personal finance reviews.

Download CanFIRE today—the complete Singapore expense tracker, budget planner, and CPF retirement planning tool built to achieve financial freedom.

Disclaimer: CanFIRE is a personal finance tracking and budgeting tool, not a licensed financial adviser. Content does not constitute financial advice. Always consult a professional before making investment, CPF, or retirement planning decisions.