# FFCalc - Retirement Calculator — FIRE & Freedom Planner

> Retirement savings calculator with income, expense, and inflation projections. (iPhone/iPad app by Voglhuber.)

- Source: https://appshunter.io/ios/app/ffcalc-retirement-calculator/id1473492772 (this page in markdown: same URL + `.md`)
- Developer: [Voglhuber](https://appshunter.io/developer/433453828)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.50/5 from 396 App Store ratings · 23 written reviews indexed
- Age rating: 4+
- Requires: iOS 26.0 · 5 MB
- Languages: American English, German (Germany)
- Released: 2019-07-24
- Data updated: 2026-08-29
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/ffcalc-retirement-calculator/id1473492772/reviews.md

## What is FFCalc?

With the Financial Freedom Calculator - FFCalc you can find out how long you have to save until you are financially free. 

Just enter some data about income, spendings and your current savings and this app will calculate how long you need to keep this income until you can retire or do whatever you want. 

You also get nice charts and tables with your available savings for each year.

Terms of service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Financial freedom timeline calculation
- Income and spending input
- Current savings tracking
- Projected savings charts
- Yearly savings tables
- Interest, tax, and inflation considerations

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Yearly | $8.99 | per year |
| Weekly Plan | $2.99 | per 7 days |
| Monthly | $3.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime | $29.99 | one-time |


## What do users think of FFCalc?

Overall sentiment: mixed

**Pros**

- 👍 Easy to use
- 👍 Great tool
- 👍 Awesome app
- 👍 Superb app
- 👍 Simple to understand
- 👍 Nice straightforward app
- 👍 Fab App
- 👍 Best FIRE App
- 👍 Allows multiple scenarios
- 👍 Real-time graphs
- 👍 Helpful support
- 👍 Free to use (mostly)
- 👍 No annoying ads

**Cons**

- 💸 Ridiculous pricing
- 💸 Expensive subscription
- 📉 Inaccurate calculations
- 📉 Missing features
- 📉 Unclear calculations
- 📉 Lacks inputs
- 📉 Basic with few options
- 📉 No dark mode
- 🐛 Crashes
- 🐛 Flawed calculations
- 🐛 Incorrect results
- 🐛 Misleading app

**Commonly reported bugs**

- Inaccurate monthly savings calculation
- Compound interest seems off
- Unclear inflation calculation frequency
- Unclear contribution timing
- Retirement expense calculation incorrect
- App crashes
- Incorrect results with large numbers/long periods

**Most requested features**

- Add monthly income support
- Add interest rate inputs
- More clarity on compounding
- Option to add income during retirement
- Add tax cost calculation
- Add dark mode support
- Option to input monthly savings directly
- Ability to change earn rate during retirement
- Ability to change earn rate before retirement

## Recent user reviews (10 of 23)

All indexed reviews: https://appshunter.io/ios/app/ffcalc-retirement-calculator/id1473492772/reviews.md

### 1/5 — FI CALCULATOR

*2026-07-06*

*

### 5/5 — Easy to use

*2026-06-23*

This app is awesome!!

### 2/5 — Inaccurate calculations

*2026-02-26*

There is a flaw in this app in that it is using my salary to calculate my monthly savings, which when annualized equals my salary. This is not an accurate or dependable application and needs to be fixed.

### 1/5 — Make FFCalc Great

*2025-10-25*

About 2 years ago when I first downloaded FFCalc it had a lot more features such as monthly income support, interest rate inputs, etc. Today when I wanted to create a new plan all this has disappeared and it is now asking for $2.99 fee per month. I’ll just put together my own spreadsheet and delete this app.

### 5/5 — Great app

*2024-12-24*

It's a great tool, love the ability to add multiple periods. However the numbers don't match my calculations, so it needs more clarity around how the compounding is figured:

- compound interest seems to be off by about -1.14% for a simple $0 expenses no inflation 2yr plan. It varies with years.
- unclear how often inflation is figured (monthly?)
- unclear if contributions are calculated at the start of the month or the end

### 3/5 — Retirement calculation with inflation not correct

*2024-12-09*

I like the app but there few issues while calculating inflation for the retirement period. 1) While calculating retirement expenses system should multiply expenses x (1 + inflation) for future expenses. 2) There should be option of adding income during retirement as sometimes we get passive income like agriculture or house rent etc..

### 4/5 — Klasse Umsetzung mit Potential nach oben

*2024-10-30*

Lieber Entwickler,
besten Dank für die tolle Umsetzung, gefällt mir sehr gut.

Weiter so und vielen Dank!

### 5/5 — Awesome App

*2024-07-20*

Awesome App, it’s lets you do almost everything for free. I was so impressed I bought the full version to support the developer.

### 4/5 — Fun to calculate different saving scenarios

*2024-07-06*

I had this app for several years and with the last update, they are charging 8.99 a year. 
Very disappointing. Good app and very helpful. It doesn't calculate  tax cost  into the scenarios to compute real income

### 3/5 — Good app, but ridiculous pricing

*2024-06-01, version 2.4.1*

Way too expensive

## Frequently asked questions about FFCalc

### What does FFCalc - Retirement Calculator do?

This application helps users calculate the time required to achieve financial freedom. By inputting details about income, expenses, and current savings, users can determine how long they need to save to reach their retirement or other financial goals.

### What are the key features of FFCalc?

Key features include calculating your financial freedom timeline, inputting income and spending data, tracking current savings, and visualizing projected savings growth through charts and tables. It also considers factors like interest, taxes, and inflation.

### Is FFCalc - Retirement Calculator free to use?

The application is free to download and use, but it offers in-app purchases. This means some features or advanced functionalities might require an additional purchase.

### Who is the target audience for this app?

This app is designed for individuals who are planning for retirement or are interested in understanding when they can achieve financial independence. It's useful for anyone looking to project their savings and financial future.

### How does the app account for inflation and taxes?

The app incorporates interest, taxes, and inflation into its calculations to provide a more realistic projection of your savings growth and the time needed to reach financial freedom. This helps in understanding the real value of your savings over time.

## Version history (last 5 releases)

### 3.0.4 — 2026-05-05

- Share summary as image
- Bugfixes

### 3.0.3 — 2026-04-26

- Added local on device AI to update periods
- Added period duplication for faster scenario building
- Small UI refinements and bug fixes

### 3.0.2 — 2025-08-16

- Bugfixes

### 3.0.1 — 2025-08-12

- New Name: FFCalc - Financial Freedom Calculator
- Each period is now customizable (income, expenses, growth, return, inflation, taxes, ...)
- Added options for income, capital and annual taxes
- Define start of retirement via period input
- Improved chart (tap entries in legend to show/hide them)

### 3.0.0 — 2025-08-10

- New Name: FFCalc - Financial Freedom Calculator
- Each period is now customizable (income, expenses, growth, return, inflation, taxes, ...)
- Added options for income, capital and annual taxes
- Define start of retirement via period input
- Improved chart (tap entries in legend to show/hide them)

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All apps by Voglhuber: https://appshunter.io/developer/433453828

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*