FIRE Survival
Early Retirement Calculator
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Will your money last? High-precision retirement simulator tailored for FIRE! Test wealth survival against market crashes. Perfect for investing and Side FIRE.
[WARNING] Is your early retirement plan prepared for the worst-case scenario?
Most calculators assume a perfect 5% annual return. But the real stock market doesn't work that way. Market crashes and the "Sequence of Returns Risk" can destroy your portfolio in the first decade of retirement.
"FIRE Survival" is a high-precision Financial Independence, Retire Early (FIRE) simulator. We don't just calculate average returns—we run advanced simulations considering actual market volatility to determine your exact "Survival Rate." See the Bottom 5% Worst-Case Scenarios and build an ironclad wealth management plan that lasts your lifetime.
Whether aiming for Lean FIRE, Fat FIRE, or Side FIRE, our app acts as your ultimate personal finance compass.
◆ WHO IS THIS APP FOR?
- Anyone aiming for Financial Independence and Early Retirement.
- Retail investors tracking their retirement number and savings rate.
- Retirees worried about inflation, recessions, or running out of funds.
- People exploring "Side FIRE" (working part-time or freelance).
- Finance geeks analyzing safe withdrawal rates, dividends, and portfolio survival rates.
◆ CORE FEATURES
① [High-Precision Wealth Simulation]
Input your current age, net worth, annual income, savings rate, expected return, and inflation rate. Visualize not only the median asset growth but also the "Worst 5% Scenario." Know exactly what happens if the economy crashes the day you retire.
② [Side FIRE & Total FIRE Comparison Mode]
Not ready to quit completely? Toggle instantly between "Total FIRE" (zero active income) and "Side FIRE" (earning active income through side hustles). See how a small monthly income drastically improves your portfolio’s survival rate.
③ [DANGER ZONE & Solutions]
If your plan has a high risk of going bankrupt early, our "Danger Zone" triggers. The app reverse-engineers your data to provide exact solutions. It tells you exactly:
- "Work for 3 more years"
- "Save an additional $20,000"
- "Reduce annual spending by 10%"
Stop guessing and know what steps you need to take today.
④ [Intense Economic Stress Testing]
What if the S&P 500 crashes by 15% for three consecutive years right after you leave your job? What if inflation unexpectedly spikes? Run extreme stress tests with a single tap to see if your portfolio is recession-proof.
⑤ [FIRE Personality Insights]
Based on your inputs, the app classifies your strategy into 5 unique profiles (e.g., "Fortress," "Lean," "Fragile"). Understand the structural strengths of your finances and get tailored advice.
◆ WHY CHOOSE "FIRE SURVIVAL"?
Standard calculators are dangerous because they ignore volatility. If a bear market hits after you retire, withdrawing money while your assets are depleted cripples your portfolio. "FIRE Survival" simulates genuine market fluctuations, helping you build a portfolio that thrives during economic recessions.
◆ PREMIUM SUBSCRIPTION
While the core simulation is free, unlocking our Premium Plan gives you ultimate analytical power:
- Ultra-High Precision Mode (3,000 extensive simulation trials for maximum accuracy).
- 100% Ad-Free Experience.
- Save & Track unlimited simulation histories to compare scenarios.
- Unlock advanced "Danger Zone" metrics.
*Subscriptions can be cancelled anytime via App Store settings.*
Your financial freedom is not a game. Plan it with absolute precision. Download "FIRE Survival" today and take the first concrete step toward a worry-free early retirement!
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[Disclaimer]
Results provided by this application are for informational and educational purposes only and do not constitute professional financial advice. Future investment returns, inflation, and market stability are unpredictable. Please consult a certified financial planner before making major life decisions.
Terms of Use (EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
We’ve improved the reliability of our simulations and made the app easier to use.
• Updated calculations to consistently express assets, income, expenses, and pensions in today’s money
• Refined calculations for FIRE age, pension start age, bear markets, and inflation shocks
• Improved scrolling so you can swipe smoothly from the results panel
• Enhanced privacy protections and ad handling
• Improved overall display and performance stability
The developer, YUTA IDA, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- YUTA IDA
- Size
- 93.2 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English and Japanese
- Age Rating
4+
- 4+
- Contains
Advertising
- Copyright
- © 2026 Pioneer-dev-lab