FireCalc: FIRE Retirement

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. T