# fuegoCalc: FIRE Calculator — Stress-test your retirement

> Retirement plan simulator using historical market data for success rate calculation. (iPhone/iPad app by Prodigal Panda LLC.)

- Source: https://appshunter.io/ios/app/fuegocalc-fire-calculator/id6763821099 (this page in markdown: same URL + `.md`)
- Developer: [Prodigal Panda LLC](https://appshunter.io/developer/1895507967)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 26.0 · 3 MB
- Languages: American English
- Released: 2026-07-07
- Data updated: 2026-07-19
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/fuegocalc-fire-calculator/id6763821099/reviews.md

## What is fuegoCalc?

fuegoCalc tests your retirement plan against every historical US market window as far back as 1871 — including the Great Depression, the 1970s stagflation, the dot-com bust, and 2008. Your success rate is the percentage of those windows in which your money lasted.

Unlike Monte Carlo simulators that rely on randomized or projected returns, fuegoCalc uses the actual stock returns, bond returns, T-bill yields, and CPI inflation that occurred in each historical period. A 95% success rate means exactly that: a plan like yours made it in 95 of 100 historical start years.

The engine is validated against the published Trinity study: a 4% withdrawal rate with a 75/25 portfolio over 30 years scores 96.8% in fuegoCalc, matching the study's canonical result.

WHAT YOU CAN MODEL
• Current age, retirement age, and plan length
• Portfolio size and asset allocation
• Annual savings before retirement
• Annual spending in retirement, with Flat / Bernicke / Smile / % of portfolio models — tunable decline-start age for the spending-tapers-with-age models
• Social Security with start age and inflation toggle
• Pro: lump-sum events, multi-period savings brackets, additional income streams

WHAT YOU SEE
• Headline historical success rate
• Median portfolio path with 10–90% range
• Tap any age for median, 25th, and 75th percentile values
• "All Sims" view shows every historical window as a line
• Sensitivity Analysis (Pro): how outcomes shift with savings, retirement age, and spending
• Year-by-year percentile table with full-precision values (Pro)
• Minimum portfolio at retirement needed for ≥95% historical success
• Multiple saved scenarios with side-by-side comparison (Pro)
• PDF and CSV export (Pro)

NINE ASSET CLASSES (Pro)
US Large Cap (since 1871) • US Small Cap (1928) • 10-Year Treasury (1871) • Long-Term Treasury (1920) • Cash / T-bills (1871) • Corporate Bonds (1928) • REITs (1972) • Gold (1928) • TIPS (1871*)

*Pre-1982 TIPS use a disclosed constant-yield assumption (see Data Integrity).

DATA INTEGRITY
Built on freely-available historical data with full attribution to Robert Shiller (Yale), Aswath Damodaran (NYU Stern), FTSE Nareit, FRED, and NBER macrohistory. TIPS and Long-Term Treasury returns are constructed from year-end yields with mark-to-market pricing and validated against published fund returns (correlations 0.97 and 0.99). Where a series can be honestly constructed from real macro data, we construct it and label it — TIPS before 1982 assume a constant 2% real yield applied to actual CPI, disclosed plainly in Settings. Where no honest construction exists, we cut the series instead of faking it: REITs start in 1972 and gold in 1928 because that's where the real data starts. fuegoCalc is not affiliated with or endorsed by any of these sources.

PRIVACY
We collect nothing. No analytics, no telemetry, no third-party SDKs. Your scenarios live on your device (with optional iCloud sync to your private database).

ONE-TIME PURCHASE
The core simulator is free — real inputs, real success rate, every historical path. Pro is a single one-time unlock: no subscription, no account, no upsell emails. We can't email you, because we don't know who you are.

DISCLAIMER — PLEASE READ
fuegoCalc is provided for informational and educational purposes only. It is NOT financial, investment, tax, or legal advice and must not be relied upon as such. Outputs are historical simulations, not predictions; your actual results will differ. The model intentionally simplifies or omits taxes, fees beyond your input, longevity risk, healthcare costs, market regime changes, and many other real-world factors. Past market behavior does not guarantee future results. Always consult a qualified financial, tax, or legal professional before making any retirement, investment, or financial decisions. Decisions based on fuegoCalc's output are at your own risk. Prodigal Panda LLC accepts no liability for any losses or damages arising from use of this app.

## Key features

- 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

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| fuegoCalc Pro | $9.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/fuegocalc-fire-calculator/id6763821099/reviews.md

### 5/5 — It works and is easy to use

*2026-07-07*

Pretty happy with how easy this calculator is to use! Now just to work on my savings….

## Frequently asked questions about fuegoCalc

### 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.

## Version history (last 1 release)

### 1.0 — 2026-07-07

No release notes.

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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 2026-07-19.*