# Surf City Fire Tool

> Surf City Fire Tool (iPhone/iPad app by PALMER CHRISTIEN MAHONEY.)

- Source: https://appshunter.io/ios/app/surf-city-fire-tool/id6808075578 (this page in markdown: same URL + `.md`)
- Developer: [PALMER CHRISTIEN MAHONEY](https://appshunter.io/developer/6793000710)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 15.0 · 9 MB
- Languages: English
- Released: 2026-09-04
- Data updated: 2026-09-10
- User reviews in markdown: https://appshunter.io/ios/app/surf-city-fire-tool/id6808075578/reviews.md

## What is Surf City Fire Tool?

Surf City Fire Tool is a free, educational planning resource built for Huntington Beach fire personnel and their families, in partnership with the Surf City Fire Foundation.

Your benefits are not the same as the next department's, and they are not even the same as the person on the next rig. Tier, hire date, and bargaining unit all change the math. These tools use the documented terms for HBFA, FMA, and MEO fire roles so the numbers you see reflect your unit, not a generic calculator.

WHAT IS INSIDE

CalPERS Pension Estimator
See your estimated monthly pension, what percent of final pay it replaces, and what you contribute while working. Classic versus PEPRA is a required, explicit choice, because it changes your formula, your final-compensation basis, and your pensionable pay cap.

457(b) Deferred Comp Projector
There is no City match in any in-scope unit, which means the amount you set is the whole lever. Project your balance, see what one more $100 per paycheck does, and check your contribution against the current-year IRS limit.

Retirement Gap Analyzer
Your pension is the floor, not the ceiling. Layer your pension and your 457(b) against the income you expect to need, and see the monthly contribution that closes the difference.

Retiree Medical and Leave
Your City medical subsidy, where it stops at 65, the bridge to Medicare, and what rolling accrued leave into your 457(b) is worth compared with taking the cash.

College Funding Advisor
Map out college costs and funding sources without raiding the retirement money.

Glossary
Plain-English definitions for every term the tools use, from PEPRA to PEMHCA.

HOW IT WORKS

Everything runs on your device. There is no login, no account, and no server. Nothing you type is transmitted, stored, or saved anywhere, including on your phone. Close the app and it is gone.

The app works completely offline, so it is usable at the station regardless of signal.

Every result exports to a clean, light-theme PDF through the standard iOS print and share sheet, so you can save it to Files, email it, or print it for a conversation at home.

ABOUT THE NUMBERS

Returns, inflation, and retirement spending are labeled assumptions and are yours to edit. They are never guarantees. Statutory figures such as the IRS 457(b) limit and the PEPRA pay cap are current-year values, and any figure still being confirmed carries a visible badge rather than being presented as settled fact.

This app is educational. It is not personalized financial, tax, or legal advice, and it is not a substitute for your official CalPERS account or your plan administrator. Confirm your own tier, service credit, and benefit estimate with CalPERS before relying on any number here.


## Version history (last 1 release)

### 1.0 — 2026-09-05

No release notes.

## More apps by PALMER CHRISTIEN MAHONEY

- [42 Foundation Tools](https://appshunter.io/ios/app/42-foundation-tools/id6793000708)

All apps by PALMER CHRISTIEN MAHONEY: https://appshunter.io/developer/6793000710

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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 2026-09-10.*