# FIRECalc: Retirement Planner — Investment \| Retirement \| 401k

> Customized retirement planning with market simulations and smart withdrawal strategies. (iPhone/iPad app by Timothy DeGraff.)

- Source: https://appshunter.io/ios/app/firecalc-retirement-planner/id6757997278 (this page in markdown: same URL + `.md`)
- Developer: [Timothy DeGraff](https://appshunter.io/developer/1870176001)
- Category: Finance, Business
- Price: Free with in-app purchases
- Rating: 5.00/5 from 6 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 18 MB
- Languages: American English
- Released: 2026-01-28
- Data updated: 2026-07-18
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/firecalc-retirement-planner/id6757997278/reviews.md

## What is FIRECalc?

FIRECalc: The Custom Engine for Financial Independence

Are you on track to retire early? Or are you just guessing?

Most retirement apps rely on elementary math like the "4% Rule," assuming you will withdraw the exact same amount every year. FIRECalc was designed to customize your retirement runway in a way that other calculators miss by running thousands of market simulations against your specific budget, all with a sleek and easy to use interface.

WHY UPGRADE TO PREMIUM? The base app includes powerful features like investment tracking, budget tracking, growth plans, 5 year retirement Burndown optimization, and government aid calculators including Medicaid and SNAP (food stamps). But when you upgrade to FIRECalc Premium, you unlock a custom FIRE Burndown Engine that acts as your personal financial pilot:

Smart Drawdown Strategy: We don’t just tell you if you can retire; we tell you how. Our engine calculates the perfect order to withdraw funds—Cash, Roth, 401k, Crypto—to minimize taxes and maximize longevity.

Definitive Answers: Get data-backed answers to your most important questions: What is my exact Retirement Age? What if I work 1 more year, or 1 less? What is my safe Annual Budget? And precisely How Long Will It Last?

Unlock Hidden Income: Unlike traditional calculators, we factor in potential Government Aid (like ACA subsidies or SNAP for all 50 states) during your "gap years," effectively extending your portfolio's life.

Secure Cloud Sync: Your data syncs securely across all your Apple devices via iCloud. Your plan is safe even if you lose your device.

KEY FEATURES

Multi-Asset Tracking: Full support for 401k, Roth IRA, HSA, Crypto, Metals, and Real Estate.

Flexible Scenarios: Test "Lean FIRE" vs "Fat FIRE" budgets instantly.

Download FIRECalc today. You may be closer to freedom than you think.

NOTE: this app is not intended to impersonate the identity of any government agency. It is not possible to apply for SNAP/EBT Benefits or Medicaid/ACA/Medicare via this app. This app is only intended to give an estimated calculation only based on public information on federal and state websites.

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

## Key features

- Thousands of market simulations
- Customized retirement runway
- Smart drawdown strategy
- Government aid factoring
- Multi-asset tracking
- Flexible budget scenarios

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Premium Monthly Access | $9.99 | per month |
| Premium Monthly Access | $79.99 | per year |


## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/firecalc-retirement-planner/id6757997278/reviews.md

### 5/5 — Intuitive and helpful!

*2026-01-30*

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

### 5/5 — Pro Retirement Calculator

*2026-01-29*

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.

### 5/5 — Great Tool

*2026-01-28*

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.

## Frequently asked questions about FIRECalc

### 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.

## Version history (last 3 releases)

### 1.2 — 2026-02-01

- Added functionality for premium users to select bond ratio in investment accounts 
- Added option for premium users to turn off SNAP (helps users outside of US, or those who don’t want to use SNAP despite eligibility)
- Added end date for income cards. Allows users to include temporary income in retirement (e.g. Barista-FIRE job)

### 1.1 — 2026-01-29

-New app icon
-Fixed decimal value input
-Improved premium verification
-Added request for review
-Added clarity to gross vs net income in logic trace (premium) 
-Fixed minor bugs you would rarely see
-Fixed tiny design consistencies

### 1.0 — 2026-01-28

No release notes.

## Apps similar to FIRECalc

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Retire Early Calc: FIRE Plan](https://appshunter.io/ios/app/retire-early-calc-fire-plan/id6759593227) | — | Free | Finance |
| [FFCalc - Retirement Calculator](https://appshunter.io/ios/app/ffcalc-retirement-calculator/id1473492772) | 4.5 (365) | Free | Finance |
| [Retirement Investing Simulator](https://appshunter.io/ios/app/retirement-investing-simulator/id1468286155) | 4.2 (61) | Free | Finance |
| [RetireWhen](https://appshunter.io/ios/app/retirewhen/id6743419791) | 5.0 (8) | Free | Finance |
| [FIREcalc: Early Retirement Age](https://appshunter.io/ios/app/firecalc-early-retirement-age/id6473696858) | 4.8 (12) | Free | Finance |
| [Retirement Advisor](https://appshunter.io/ios/app/retirement-advisor/id6740252670) | 5.0 (5) | Free | Finance |

## More apps by Timothy DeGraff

- [GovAid: SNAP](https://appshunter.io/ios/app/govaid-snap/id6759013144)
- [GovAid: Health](https://appshunter.io/ios/app/govaid-health/id6759079107)

All apps by Timothy DeGraff: https://appshunter.io/developer/1870176001

## Related topics

[retirement planner](https://appshunter.io/ios/topics/retirement-planner)

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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 2026-07-18.*