FIREPlan Retirement Calculator

Where am I now? When will I be free? What should I do next? FIREPlan answers all three.

Enter your monthly income, expenses and account balances — FIREPlan instantly computes your FIRE number, your projected freedom date, and exactly how far along you are.

A RETIREMENT CALCULATOR ON YOUR REAL NUMBERS
• Your FIRE number from actual spending, not a generic rule of thumb
• Four paths: Lean FIRE, FIRE, Fat FIRE and Coast FIRE — switch with one tap
• 30-year projection in today's dollars, adjusted for inflation
• What-if sliders: see how saving more, spending less or earning better returns moves your date

TRACK EVERY ACCOUNT
• 401(k), Roth IRA, Traditional IRA, HSA, brokerage, HYSA, cash, crypto, real estate
• One monthly check-in updates every balance and shows how your net worth changed
• Asset allocation and net worth history at a glance
• Compound interest projections for every account and for the portfolio as a whole

GO DEEPER WITH PRO
• Monte Carlo: 5,000 market simulations — not "in 12 years" but "87% probability by 2042"
• US tax modeling: LTCG brackets, Traditional 401(k)/IRA, Roth, mixed accounts, state tax
• Sequence-of-returns risk: will your plan survive a bear market in year one of retirement?
• Withdrawal strategies: fixed, inflation-adjusted, Guyton-Klinger guardrails, variable percentage
• Multiple scenarios and full JSON/CSV export

YOUR DATA STAYS YOURS
Everything is stored on your device. No account, no sign-up, no tracking.

FIREPlan is a planning calculator, not financial advice.

FIREPlan Pro is available as a monthly or yearly auto-renewing subscription, or as a one-time Lifetime purchase. Payment is charged to your Apple ID at confirmation of purchase. A subscription renews automatically unless turned off at least 24 hours before the end of the current period, and can be managed or canceled anytime in your App Store account settings.

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