Best FIRE Tracker UK 2024: Complete Comparison
Compare Delphina vs FireCalc vs ChooseFI vs NetWorthify for FIRE planning and early retirement tracking
Top Choice: Delphina
Most comprehensive FIRE platform with UK-specific features, AI-powered insights, and integrated budgeting, investing, and retirement planning
| Feature | Delphina | FireCalc | ChooseFI | NetWorthify |
|---|---|---|---|---|
| Price | £4.99/month | Free | Free | Free |
| UK Tax Planning | ||||
| AI Insights | ||||
| Monte Carlo Simulation | ||||
| Withdrawal Strategies | ||||
| Budgeting Integration |
Delphina: Most Comprehensive FIRE Platform
Why Choose Delphina for FIRE
- Complete FIRE Planning: Budgeting, investing, retirement, and tax planning in one platform
- UK-Specific Features: HMRC integration, UK tax optimization, regional cost-of-living data
- Advanced Simulations: Monte Carlo analysis with UK market data and inflation
- Multiple Withdrawal Strategies: 4% rule, Guyton-Klinger, VPW, CAPE, and custom methods
Considerations
- Paid Platform: £4.99/month (though includes comprehensive features)
- Newer Platform: Launched in 2024, less established than free alternatives
- Learning Curve: Advanced features may require initial setup time
FireCalc: Best Free FIRE Calculator
Why Choose FireCalc
- Completely Free: No premium features or hidden costs
- Monte Carlo Simulation: Advanced probability analysis for retirement success
- Multiple Withdrawal Methods: 4% rule, Guyton-Klinger, and custom strategies
- Detailed Scenarios: Early retirement, part-time work, and lifestyle changes
Limitations
- US-Focused: Limited UK-specific features and tax planning
- Calculator Only: No budgeting, investing, or ongoing tracking features
- No AI Insights: Traditional calculations without smart recommendations
ChooseFI: Best FIRE Community Platform
Why Choose ChooseFI
- Free Platform: Completely free to use all features
- Community Focus: Built around the FIRE community and forums
- Educational Content: Extensive FIRE resources and guides
- Simple Interface: Easy to use for beginners
Major Drawbacks
- Basic Calculations: Limited to simple FIRE calculations
- No Advanced Features: No Monte Carlo or detailed scenarios
- US-Centric: Limited UK-specific features and tax planning
NetWorthify: Best Net Worth Tracking
Why Choose NetWorthify
- Free Platform: Completely free to use all features
- Net Worth Focus: Excellent for tracking wealth accumulation
- Visual Analytics: Charts and graphs for progress tracking
- Goal Setting: Track progress toward financial independence goals
FIRE Planning Limitations
- Basic FIRE Tools: Limited retirement planning features
- No Withdrawal Strategies: Lacks advanced retirement income planning
- No Simulations: No probability analysis or scenario testing
Which FIRE Tracker is Right for You?
Choose Delphina If:
- • You want comprehensive FIRE planning in one platform
- • You need UK-specific tax planning and HMRC features
- • You want AI-powered insights and recommendations
- • You need budgeting, investing, and FIRE planning together
- • You want advanced withdrawal strategies and simulations
Choose FireCalc If:
- • You want a free, advanced FIRE calculator
- • You need Monte Carlo simulation for probability analysis
- • You're comfortable with US-focused tools
- • You only need retirement calculations, not ongoing planning
- • You want detailed withdrawal strategy modeling
Choose ChooseFI If:
- • You want a free, community-focused platform
- • You're new to FIRE and need educational resources
- • You want to connect with the FIRE community
- • You need basic FIRE calculations only
- • You prefer simple, user-friendly interfaces
Choose NetWorthify If:
- • You're primarily focused on net worth tracking
- • You want visual progress tracking and analytics
- • You need goal setting and progress monitoring
- • You don't need advanced retirement planning
- • You want a simple, free net worth tracker
FIRE Planning Features Comparison
Key FIRE Planning Features
Delphina Includes:
- • Monte Carlo simulation with UK data
- • Multiple withdrawal strategies (4% rule, Guyton-Klinger, VPW, CAPE)
- • UK tax planning and HMRC integration
- • Budgeting and expense tracking
- • Investment portfolio management
- • Inflation-adjusted projections
- • Early retirement scenarios
- • AI-powered recommendations
FireCalc Includes:
- • Monte Carlo simulation
- • Multiple withdrawal strategies
- • Early retirement scenarios
- • Inflation adjustments
- • Detailed probability analysis
ChooseFI Includes:
- • Basic FIRE calculator
- • Simple retirement projections
- • Community resources
- • Educational content
NetWorthify Includes:
- • Net worth tracking
- • Goal setting
- • Progress visualization
- • Basic retirement calculations
Final Verdict
Delphina Wins for Serious FIRE Planning
While free options are great for basic calculations, Delphina offers the most comprehensive FIRE planning with UK-specific features, AI insights, and integrated tools. For £4.99/month, you get everything needed for serious FIRE planning and ongoing tracking.
Best Overall
Delphina
Best Free Calculator
FireCalc
Best Community
ChooseFI
Ready to Start Your FIRE Journey?
Try Delphina's comprehensive FIRE planning platform with AI-powered insights and UK-specific features.