FireCalc Retirement Calculator

FireCalc projects your path to financial independence and early retirement. Model your portfolio, test it against 1,000 simulated market outcomes, and see how long your money lasts. It works fully offline, with optional cloud backup when you want it. WHAT IT DOES • Simple 4% rule projection — your FIRE number and a year-by-year forecast in today's money • Monte Carlo simulation — 1,000 simulated market paths estimate how often your plan succeeds, with median and 10th/90th percentile outcomes • Progress check-ins — log your net worth over time and watch the gap to your FIRE number close, with a projected FI age • Sequence-of-returns visualizer — see how retiring just before a downturn (1929, 1966, 1973, 2000, 2008) would affect the same plan • Withdrawal strategies — Fixed-Real (safe withdrawal rate), Guyton-Klinger guardrails, and Variable Percentage Withdrawal (VPW) • Coast FIRE and Barista FIRE modes • Regional retirement accounts — UK SIPP/ISA, US 401(k)/IRA, Australian Super and more, with tax-treatment notes • Income and expense streams — pensions, rental income, mortgages, care costs • Compare two scenarios side-by-side • State-pension assumptions for the UK, US, Australia, Canada, Germany, Ireland and New Zealand • CSV export of your full year-by-year projection • Optional cloud backup and restore of your scenarios and check-ins HOW IT WORKS Enter your age, savings, contributions and the income you want in retirement. FireCalc gives you a FIRE number and a year-by-year projection in today's money. Run the Monte Carlo simulation to see how often that plan survives across 1,000 market paths, then open the sequence-of-returns view to see what a bad first decade does to it. Log a check-in each month and the app tracks the gap to your number. WHO IT'S FOR • People planning early retirement or financial independence • Anyone weighing "what if I retire at X?" trade-offs • UK, EU, US, AU and Canadian savers who want regional account support • DIY investors who want transparent math — every method is documented in-app IMPORTANT FireCalc is a calculator, not financial advice. Projections are hypothetical and depend entirely on the assumptions you enter. Return statistics are summary figures derived from publicly reported long-run market history; past performance is not a reliable indicator of future results. Tax, pension and account rules are simplified estimates and may be out of date. Confirm with a qualified, regulated financial adviser before making decisions. YOUR DATA Scenarios, accounts and check-ins are stored on your device. Cloud backup is optional and off until you turn it on. SUBSCRIPTION AND PURCHASE TERMS FireCalc Pro is available as an auto-renewing monthly or yearly subscription, or as a one-time Lifetime unlock, which does not renew. Current prices are shown in the app before you buy. Pro lifts the limits on saved scenarios, Monte Carlo runs and progress check-ins, adds cloud backup, the sequence-of-returns visualizer, the Guyton-Klinger and VPW strategies, regional accounts, Coast and Barista modes, scenario comparison and CSV export, and removes ads. Everything you have already created stays readable whether or not you subscribe. The limits apply only to new entries. Subscriptions are charged to your Apple Account at confirmation of purchase and renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. You can manage or cancel a subscription in your Apple Account settings. Terms of Use (EULA): https://clearstackapps.com/terms Privacy Policy: https://clearstackapps.com/privacy Contact: [email protected]