The Finance Base / Retirement planning tools / FIRECalc
firecalc.com
FIRECalc
FIRECalc is a free web calculator for assessing whether savings and planned spending could support retirement under historical market conditions. It tests plans against historical starting years using market data beginning in 1871, then reports how often a portfolio would have remained funded for…
Visit firecalc.com ↗ What it costs
- 7.2 No. 10on Retirement planning tools
- Free planprice, as published
- Oct 7, 2026read on
What FIRECalc costs
- FIRECalc Free
As firecalc.com publishes them, read Oct 7, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- Not stated
- Runs on
- iPhone Android Web
- Facts on record
- 15
Strengths and limits
Strengths
- Historical data begins in 1871
- Includes Social Security and pension inputs
- Offers multiple spending models
- Supports future contributions and lump-sum changes
Limits
- Cannot predict future investment returns
- Does not provide tax planning
- No account synchronization
Facts we read
- Additional featuresRegistering as a supporter provides access to some additional features available only on request. · firecalc.com, Oct 7, 2026
- Data freshnessThe homepage says its data was updated April 17, 2026, with data through January 1, 2026. · firecalc.com, Oct 7, 2026
- Default assumptionsThe default portfolio is 75% stock index and 25% bond funds with a 0.18% fund fee, and default spending is adjusted for inflation over 30 years. · firecalc.com, Oct 7, 2026
- Future planningUsers can set a future retirement date, add annual contributions before retirement, and enter future lump-sum portfolio changes. · firecalc.com, Oct 7, 2026
- Historical analysisIt evaluates retirement plans across historical starting years, with market data beginning in 1871. · firecalc.com, Oct 7, 2026
- Income inputsUsers can include Social Security, pensions, and other future income or spending adjustments. · firecalc.com, Oct 7, 2026
- Intended usersThe site presents FIRECalc for people evaluating early retirement and whether their savings, spending, and other resources can maintain their lifestyle. · firecalc.com, Oct 7, 2026
- Model limitationFIRECalc says it cannot predict future investment returns and instead applies historical market data to retirement plans. · firecalc.com, Oct 7, 2026
- Portfolio choicesUsers can select historical investment portfolios, set investment fees, or model consistent or random portfolio returns. · firecalc.com, Oct 7, 2026
- PrivacyFIRECalc says it does not store users' financial entries; temporary files for spreadsheets and graphics are session-only and deleted approximately 15 minutes after creation. · firecalc.com, Oct 7, 2026
- Spending modelsOptions include inflation-adjusted constant spending, Bernicke's Reality Retirement Plan, and spending based on a percentage of the remaining portfolio. · firecalc.com, Oct 7, 2026
- Success rateResults report how often a retirement plan would have succeeded historically, meaning the portfolio remained funded for the planned term. · firecalc.com, Oct 7, 2026
- SupportThe contact page directs usage questions to the FIRECalc support section of the Early Retirement forum and accepts bug reports and suggestions. · firecalc.com, Oct 7, 2026
- Tax planningFIRECalc says it does not account for taxable versus nontaxable portfolios or provide tax planning. · firecalc.com, Oct 7, 2026
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MaxiFi
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Retireator
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driftcurve
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Flexible Retirement Planner
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Verdict
FIRECalc lets users explore retirement scenarios against historical data, not forecasts. Its lack of tax planning and account synchronization may matter when assessing what else a plan needs.
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