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About FIRECalc
FIRECalc is a web-based retirement calculator that tests a spending plan against historical market data instead of average returns. You enter a portfolio size and a yearly withdrawal. It then runs the plan from every starting year since 1871 to show whether the money would have lasted, including through bad periods such as 1929 and 1973.
It is aimed at people considering early retirement. There are sections for other income and spending, spending models, portfolio settings and portfolio changes over time. The market data was last updated in April 2026.
Strengths
- Tests plans against every historical start year since 1871
- Shows worst-case outcomes rather than averages
- Options for other income, spending models and portfolio changes
- Data updated in 2026
Limitations
- Assumes future markets resemble the past
- Plain, dated interface
- Built around US retirement accounts and Social Security
Details
- Pricing
- FreeFree to use on the web; no paid tier is mentioned.
- License
- Proprietary
- Platforms
- Web
- How it runs
- Web application
- Account
- Not required
- Works offline
- No
- Best suited for
- Stress-testing an early retirement withdrawal plan
- Categories
- Personal finance
- Last verified
- Added
- Provenance
- Facts checked against the developer's own pages and store listings, 1 sources on file.
Alternatives to FIRECalc
Compare allSoftware that can replace FIRECalc for an important use case, and what changes if you switch.
ProjectionLab
A web tool for simulating long-term finances, retirement and financial independence plans.
ProjectionLab is a freemium web tool that adds year-by-year tax and cash flow projections and a Roth conversion optimiser to historical backtesting, with advanced features on paid plans.
Boldin
Web-based retirement and financial planning software for building plans and running what-if scenarios.
Boldin is a freemium web planner with Monte Carlo analysis, what-if scenarios and detailed tax, property and healthcare modelling, but stores your financial data in its cloud.
Wealthfolio
An open-source, local-first app for tracking investments, net worth, spending and retirement plans.
Wealthfolio is a free AGPL-3.0 desktop app with a Monte Carlo retirement and FIRE planner that runs locally alongside investment and net worth tracking.
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