FireCalc: FIRE Retirement

Plan your early retirement

Only for iPhone

Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.

iPhone

Project your FIRE number, test it against 1,000 market outcomes, and see how a bad first decade changes it. Log your net worth and watch the gap close. Works offline. 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. Tax, pension and account rules are simplified estimates and may be out of date. Confirm with a qualified, regulated financial adviser before making decisions. YOUR DATA Scenarios, accounts and check-ins are stored on your device. Cloud backup is optional and off until you turn it on. SUBSCRIPTION AND PURCHASE TERMS FireCalc Pro is available as an auto-renewing monthly or yearly subscription, or as a one-time Lifetime unlock, which does not renew. Current prices are shown in the app before you buy. Pro lifts the limits on saved scenarios, Monte Carlo runs and progress check-ins, adds cloud backup, the sequence-of-returns visualizer, the Guyton-Klinger and VPW strategies, regional accounts, Coast and Barista modes, scenario comparison and CSV export, and removes ads. Everything you have already created stays readable whether or not you subscribe. The limits apply only to new entries. Subscriptions are charged to your Apple Account at confirmation of purchase and renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. You can manage or cancel a subscription in your Apple Account settings. Terms of Use (EULA): https://clearstackapps.com/terms Privacy Policy: https://clearstackapps.com/privacy Contact: support@clearstackapps.com

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The developer, ClearStack Apps, 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:

    • Location
    • Identifiers

  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Financial Info
    • Location
    • Identifiers

  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Identifiers
    • Usage Data
    • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
ISolution Technologies Limited
Size
20.3 MB
Category
Finance
Compatibility
Requires iOS 17.0 or later.
  • iPhone
    Requires iOS 17.0 or later.
  • Mac
    Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
English
Age Rating
4+
In-App Purchases
Yes
  • FireCalc Pro Lifetime $24.99
  • FireCalc Pro Yearly $9.99
  • FireCalc Pro Monthly $1.99
  • Learn More
Copyright
© 2026 ClearStack Apps
  • Developer Website
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