FireCalc
Project your path to financial independence.
A FIRE and retirement calculator that does the hard math: Monte Carlo simulation, safe withdrawal rate, Guyton-Klinger guardrails, sequence-of-returns risk, and Coast & Barista FIRE — with UK SIPP/ISA and US 401k support. Offline, private, one-time price.
How it works
Build a scenario
Enter your age, portfolio, contributions and target retirement income. Pick a region for the right currency, state-pension age and account types, and choose Traditional, Coast or Barista FIRE.
Run the simulation
See your FIRE number and a year-by-year projection instantly, then run 1,000 Monte Carlo trials for a success percentage with median and percentile outcomes.
Stress-test & compare
Overlay historical bad-start-year risk, switch withdrawal strategies, compare two plans side-by-side, and export the full projection to CSV.
in Action
Your scenario, your FIRE number, at a glance.
Monte Carlo success rate with median and percentile outcomes.
Sequence-of-returns risk — when the bad years hit matters.
Every input grouped and clear.
Coast, Barista and three withdrawal strategies.
Save and compare scenarios across regions and currencies.
Transparent math — every method documented in-app.
Features
Monte Carlo simulation
1,000 trials across a range of market outcomes give you a success percentage, median ending balance, and 10th/90th percentile results — not a single rosy number.
Sequence-of-returns visualizer
See how your exact plan would have fared starting just before 1929, 1966, 1973, 2000 or 2008. The most-discussed FIRE risk, made visual.
Guyton-Klinger, VPW & Fixed-Real
Model fixed real spending, ratcheting guardrails, or a variable percentage of your portfolio — and watch how each changes your odds.
Coast & Barista FIRE
Coast FIRE shows where today's portfolio drifts with no more contributions. Barista FIRE folds in part-time income after you stop full-time work.
UK SIPP/ISA, US 401k/IRA, AU Super
Add regional retirement accounts with tax-treatment context, plus state-pension assumptions for the UK, US, AU, CA, DE, IE and NZ.
Year-by-year projection
A clean chart and table of your portfolio in today's money, with your retirement age and FIRE number marked.
Compare scenarios
Put two plans side-by-side — retire-at-55 vs Coast, or aggressive vs conservative — and see the trade-offs in one view.
CSV export
Export your full year-by-year projection to a spreadsheet to dig deeper or keep a record.
Offline & private
Every calculation runs on your device. Your scenarios stay on your phone. We never collect your financial inputs.
Transparent math
An in-app "About the math" screen documents every method and cites its data sources, so you can trust the numbers.
One-time price
A single $4.99 unlock — no subscription. The free tier lets you try a simple projection and one Monte Carlo run first.
Phone & tablet
A clean Material 3 interface that adapts from phone to tablet, built for the device in your hand.
Pricing
Try a simple 4% projection and one Monte Carlo run for free. Unlock everything else with a single payment — no subscription, ever.
FireCalc Pro
- Unlimited scenarios & Monte Carlo runs
- Sequence-of-returns visualizer
- Guyton-Klinger, VPW & Fixed-Real strategies
- Regional accounts & Coast/Barista modes
- Compare scenarios & CSV export
- No ads · no subscription