FireCalc Retirement Calculator

FireCalc is a retirement calculator for financial independence and early retirement (FIRE). Work out your FIRE number, run your plan through 1,000 simulated market outcomes, and see how long your money lasts. It works offline, and your data stays on your device unless you turn on the optional cloud backup.

WHAT IT DOES
- FIRE number: a 4% rule projection with a year-by-year forecast in today's money
- Monte Carlo retirement simulation: 1,000 trials estimate how often your plan succeeds, with median and 10th/90th percentile outcomes
- Net worth tracker: log check-ins over time, watch the gap to your FIRE number close, and see your projected FI age
- Coast FIRE and Barista FIRE modes
- Sequence-of-returns view: see how retiring just before a downturn (1929, 1973, 2000, 2008) would affect the same plan
- Withdrawal strategies: fixed real (safe withdrawal rate), Guyton-Klinger guardrails and Variable Percentage Withdrawal (VPW)
- Pension and retirement accounts: UK SIPP and ISA, US 401(k) and IRA, Australian Super and more, with tax-treatment notes
- State pension assumptions for the UK, US, Australia, Canada, Germany, Ireland and New Zealand
- Income and expense streams: pensions, rental income, mortgages, care costs
- Compare two retirement scenarios side by side
- CSV export of your full year-by-year projection
- Optional cloud backup and restore of your scenarios and check-ins

WHO IT'S FOR
- People planning early retirement or financial independence
- Anyone asking "when can I retire?" or "what if I retire at 50?"
- Savers who hold a SIPP, ISA, 401(k), IRA, Super or Riester account
- DIY investors who want transparent math (every method is explained in the app)

FireCalc is a calculator, not financial advice. Projections are hypothetical and depend on the assumptions you enter. Past performance is not a reliable indicator of future results. Always confirm with a qualified, regulated financial adviser before making decisions.

Contact: support@clearstackapps.com
Privacy: https://clearstackapps.com/privacy

Recent changes:
Start a 14-day trial of every feature whenever you choose, from the home screen, the plans screen or Settings. The plans screen now shows the lifetime option first. Links that cannot open now tell you so, and tapping outside a field closes the keyboard.