FIREPlan: Retire-Early Planner

FIREPlan is the honest FIRE calculator for serious planners.

WHAT IS FIRE
FIRE — Financial Independence, Retire Early — is the moment your investments
generate enough income to cover your bills forever. FIREPlan tells you when
that day arrives, based on your actual accounts and spending.

WHY FIREPlan IS DIFFERENT
Most FIRE calculators show one number and call it a day. They ignore taxes.
They ignore market volatility. They give you a confident lie.

FIREPlan models your finances the way a fee-only advisor would — with
honest assumptions you can see and change.

CORE (FREE)
• Your FIRE number — calculated from your real expenses, not a guess
• Net-worth tracker across all your accounts
• Freedom date — see the year you hit FIRE
• Lean / FIRE / Fat / Coast — four lifestyle targets at a glance
• Savings rate, monthly surplus, projection charts
• Milestones: every $10K, $50K, $100K — celebrated honestly
• Onboarding takes 90 seconds

PRO (OPTIONAL SUBSCRIPTION)
• Monte Carlo: 5,000 market simulations show real probability of success
• Sequence-of-returns risk: what happens if a crash hits your first 5 years
• US tax modeling: LTCG (0/15/20%), Traditional 401(k)/IRA at your bracket,
Roth, mixed accounts, plus state tax
• Withdrawal strategies: fixed, inflation-indexed, Guyton-Klinger, variable
• Multiple scenarios: compare "with kids" vs "without", "retire at 50" vs
"retire at 45", "high-cost vs low-cost city"
• JSON / CSV export — your data, never locked in

DESIGNED FOR US INVESTORS
We model the accounts you actually have: 401(k), Roth IRA, HSA, taxable
brokerage, HYSA, crypto, real estate. Tax math uses 2025 federal brackets
and your filing status.

PRIVATE BY DESIGN
Your data never leaves your device. There are no accounts, no cloud sync,
no analytics, no ads, no trackers. We don't see your numbers and never
will. Backup or migrate anytime via JSON / CSV export.

Subscriptions auto-renew unless cancelled at least 24h before the renewal
date. Cancel anytime in Settings → Apple ID → Subscriptions.

ABOUT
Built by an indie developer who got tired of FIRE spreadsheets that broke
every time they were opened. No VC, no growth team, no dark patterns —
just a tool you can rely on for the next 30 years.

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