simpleFIRE: FIRE Calculator

simpleFIRE puts three FIRE calculators in your pocket, with Monte Carlo and historical backtesting built in. Move a slider and see what you'll have, when you can stop working, and how long your money will last.

PROJECTION
Start with what you have, add what you invest each month, pick a period and an expected annual return. Watch your portfolio compound year by year, with your contributions and the interest they earn side by side.

TIME TO FI
Set your FI target and see the month you reach it, the passive income it pays, and how far along you are each year. Not sure of your number? Start from what you spend and the app suggests one.

DRAWDOWN
Start living off your portfolio and see how long it lasts: the month it would run dry, what you withdraw along the way, and whether your returns keep up with your withdrawals.

MONTE CARLO, HISTORICAL OR FIXED RATE — YOUR CHOICE
Markets never pay the same return twice. Switch any calculator to Monte Carlo and the app runs 5,000 simulations of your exact plan, updated live as you move a slider. Prefer real data? Historical backtests your plan the way the Trinity study tested the 4% rule: through every period of real S&P 500 and US Treasury returns, with the inflation each year actually brought. Or keep it simple with a fixed rate. Set your mix of stocks and bonds with one slider and read every answer as a plain chance: what you'll have, when you'll reach FI, how long your money lasts, and the odds it lasts as long as you need.

EVERY NUMBER, EXPLAINED
Every result starts with the question it answers. Tap it for the full picture: a chart you drag through year by year while the numbers follow your finger, contributions and interest for every year, the year your money starts earning more than you add, and every assumption behind the result. Inflation is one tap away: see any result in today's money or as your account will show it. About in Settings explains how every number is calculated and where the market data comes from.

PREMIUM — ONE PAYMENT, NO SUBSCRIPTION
- Time to FI and Drawdown
- Monte Carlo and Historical, with your own stocks and bonds mix and the chance you plan with
- Saved profiles: keep several plans and switch in a tap
- Calculation settings: inflation, contribution frequency, timing and yearly increases, withdrawal timing, compounding, withdrawal rate, planning horizon
- PDF and image reports: share a clean summary of any plan

Projection is free and stays free. No ads anywhere in the app.

PRIVATE BY DESIGN
No account, no sign-in, no tracking, no analytics. Your numbers stay on your device, every simulation runs on it, and the app asks for no permissions.

Built for iPhone and iPad, and it runs on Mac too. Six languages, dark and light themes, your currency, your number format.

simpleFIRE gives you estimates based on the assumptions you set and on past market data, which does not guarantee future returns. It is a calculator, not financial advice.

EULA:

https://www.apple.com/legal/internet-services/itunes/dev/stdeula/