It works and is easy to use
Pretty happy with how easy this calculator is to use! Now just to work on my savings….
Free
In-App Purchases
About
This app stress-tests retirement plans using historical market data, not simulations. It calculates your success rate across various economic downturns to provide a realistic outlook for your financial future.
✓Historical market data simulation
✓Retirement plan success rate calculation
✓Model portfolio size and asset allocation
✓Annual savings and spending modeling
✓Social Security integration
✓Multiple saved scenarios
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What's New in fuegoCalc
1.0
July 7, 2026
1
In-App Purchases
$9.99
fuegoCalc Pro
Unlock all features, one-time purchase.
User reviews
FAQ
How does fuegoCalc simulate retirement scenarios?
fuegoCalc uses actual historical stock returns, bond yields, and inflation data dating back to 1871, rather than randomized or projected returns. This provides a direct assessment of how your plan would have performed during past economic events.
What kind of spending models does fuegoCalc support?
fuegoCalc supports Flat, Bernicke, Smile, and percentage-of-portfolio spending models. It also allows for a tunable decline-start age for spending-tapers-with-age models.
Can I model Social Security income in fuegoCalc?
Yes, fuegoCalc allows you to model Social Security income by specifying the start age and an inflation toggle. This helps integrate a key component of many retirement plans.
What data sources does fuegoCalc use?
The app is built on freely-available historical data from sources like Robert Shiller (Yale), Aswath Damodaran (NYU Stern), FTSE Nareit, FRED, and NBER macrohistory. Specific data integrity notes are provided for asset classes like TIPS and Long-Term Treasury.
Does fuegoCalc collect any user data?
No, fuegoCalc collects nothing. It does not use analytics, telemetry, or third-party SDKs. Your scenarios are stored locally on your device, with an optional iCloud sync to your private database.
What is the success rate in fuegoCalc?
The success rate is the percentage of historical market windows in which your retirement plan's money lasted. A 95% success rate means your plan would have succeeded in 95 out of 100 historical start years.
How does fuegoCalc compare to Monte Carlo simulators?
Unlike Monte Carlo simulators that rely on randomization, fuegoCalc uses actual historical data for its simulations. This offers a more concrete and less speculative assessment of retirement plan viability.
Is fuegoCalc available on other devices besides iPhone?
Based on the provided data, fuegoCalc is currently supported on iPhone devices. Information regarding availability on other platforms like Android or desktop is not specified.