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FIRECalc: Retirement Planner

FIRECalc: Retirement Planner

Investment | Retirement | 401k

10 ratings
3 reviews
💼 Business
💰 Finance
Free
In-App Purchases

Details

Released
January 28, 2026
Updated
October 20, 2026

Features

Developer

Timothy DeGraff
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About

This app simulates thousands of market scenarios to provide customized retirement planning. It helps you determine your exact retirement age, safe annual budget, and optimal withdrawal strategy across various assets, factoring in potential government aid.

✓Thousands of market simulations
✓Customized retirement runway
✓Smart drawdown strategy
✓Government aid factoring
✓Multi-asset tracking
✓Flexible budget scenarios
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What's New in FIRECalc

1.3

October 20, 2026

- Added automatic draw order in FIRE for premium users, using your most advantaged bucket of money first! - Improved tax calculations and accuracy for fixed and pre-retirement expenses - Added Aid toggle in FIRE, so users can choose whether plans assume Medicaid and SNAP benefits when eligible - Added HELOC strategy to have enough cashflow to live off and stay under aid income limits, when advantageous - Keyboard and small-screen fixes, plus iOS 27 support

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Subscriptions & In-App Purchases

Premium Monthly Access

Unlock full retirement optimization tools

$9.991 Month
3 Months trial
How to cancel FIRECalc subscription ⁉️

User reviews

Most RecentHighest RatedLowest Rated

Intuitive and helpful!

This is an app
I would pay for- it’s so useful! Such a clean interface and clever features. Very user friendly.
TTigers2011

Pro Retirement Calculator

This retirement planner is literally the best I’ve ever seen. Design is sleek, has everything you need including gov aid, and the FIRE tab is so much more useful than typical calculators. Highly recommend.
SSpartanChewy

Great Tool

I've been deep in the FIRE community for years, running endless scenarios on web tools like the original FireCalc, cFIREsim, and others. This app is hands-down the best mobile retirement planner I've used — especially for anyone serious about custom drawdown strategies and bridging to government aid.
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Developer apps

GovAid: SNAP
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Calculate Food Stamp Benefits

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GovAid: Health
GovAid: Health

Medicaid & ACA Eligibility

💪 Health & Fitness

(1)

Free
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FAQ

What is FIRECalc's retirement age calculation based on?

FIRECalc calculates your exact retirement age by running thousands of market simulations against your specific budget and financial assets, providing data-backed answers beyond simple rules of thumb.

Does FIRECalc offer a free trial for Premium features?

The base app includes powerful features for free. Premium features like the custom FIRE Burndown Engine and Smart Drawdown Strategy are unlocked via an upgrade, though a specific trial period is not detailed.

How does FIRECalc handle different asset types for retirement planning?

FIRECalc supports multi-asset tracking, including 401k, Roth IRA, HSA, Crypto, Metals, and Real Estate, allowing for comprehensive planning across your entire portfolio.

Can FIRECalc help me understand potential government aid during retirement?

Yes, FIRECalc includes government aid calculators for programs like Medicaid and SNAP (food stamps), factoring these into your retirement runway to potentially extend your portfolio's life.

Is my financial data secure with FIRECalc?

FIRECalc offers secure cloud sync via iCloud, ensuring your retirement plan data is safely backed up and accessible across all your Apple devices.

What kind of budgets can I simulate with FIRECalc?

FIRECalc allows for flexible scenario testing, enabling you to instantly compare different budget types such as 'Lean FIRE' versus 'Fat FIRE' to see their impact on your retirement timeline.

How often is FIRECalc updated?

The latest version is 1.2, last updated on February 1, 2026. While specific update frequency isn't detailed, the app has seen recent updates indicating ongoing development.

What devices does FIRECalc support?

FIRECalc is available on iPhone, iPad, and iPod, utilizing secure iCloud sync across these Apple devices.