FireCalc: FIRE Calculator

FireCalc helps you project your path to financial independence and early retirement. Model your portfolio, test it against thousands of market outcomes, and see how long your money lasts - all offline, with your data staying on your device.

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 trials estimate how often your plan succeeds, with median and 10th/90th percentile outcomes
- Sequence-of-returns visualizer - see how retiring just before a downturn (1929, 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
- CSV export of your full year-by-year projection
- State-pension assumptions for the UK, US, Australia, Canada, Germany, Ireland and New Zealand

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)

FireCalc is a calculator, not financial advice. Projections are hypothetical and depend on the assumptions you enter. Past performance is not a reliable indicator of future results. Always confirm with a qualified, regulated financial adviser before making decisions.

Contact: support@clearstackapps.com
Privacy: https://clearstackapps.com/privacy