simpleFIRE vs DieselCalcs

simpleFIRE puts three FIRE calculators in your pocket, with Monte Carlo and historical backtesting built in. Move a slider and see what you'll have, when you can stop working, and how long your money will last. PROJECTION Start with what you have, add what you invest each month, pick a period and an expected annual return. Watch your portfolio compound year by year, with your contributions and the interest they earn side by side. TIME TO FI Set your FI target and see the month you reach it, the passive income it pays, and how far along you are each year. Not sure of your number? Start from what you spend and the app suggests one. DRAWDOWN Start living off your portfolio and see how long it lasts: the month it would run dry, what you withdraw along the way, and whether your returns keep up with your withdrawals. MONTE CARLO, HISTORICAL OR FIXED RATE — YOUR CHOICE Markets never pay the same return twice. Switch any calculator to Monte Carlo and the app runs 5,000 simulations of your exact plan, updated live as you move a slider. Prefer real data? Historical backtests your plan the way the Trinity study tested the 4% rule: through every period of real S&P 500 and US Treasury returns, with the inflation each year actually brought. Or keep it simple with a fixed rate. Set your mix of stocks and bonds with one slider and read every answer as a plain chance: what you'll have, when you'll reach FI, how long your money lasts, and the odds it lasts as long as you need. EVERY NUMBER, EXPLAINED Every result starts with the question it answers. Tap it for the full picture: a chart you drag through year by year while the numbers follow your finger, contributions and interest for every year, the year your money starts earning more than you add, and every assumption behind the result. Inflation is one tap away: see any result in today's money or as your account will show it. About in Settings explains how every number is calculated and where the market data comes from. PREMIUM — ONE PAYMENT, NO SUBSCRIPTION - Time to FI and Drawdown - Monte Carlo and Historical, with your own stocks and bonds mix and the chance you plan with - Saved profiles: keep several plans and switch in a tap - Calculation settings: inflation, contribution frequency, timing and yearly increases, withdrawal timing, compounding, withdrawal rate, planning horizon - PDF and image reports: share a clean summary of any plan Projection is free and stays free. No ads anywhere in the app. PRIVATE BY DESIGN No account, no sign-in, no tracking, no analytics. Your numbers stay on your device, every simulation runs on it, and the app asks for no permissions. Built for iPhone and iPad, and it runs on Mac too. Six languages, dark and light themes, your currency, your number format. simpleFIRE gives you estimates based on the assumptions you set and on past market data, which does not guarantee future returns. It is a calculator, not financial advice. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

DieselCalcs: Financial calculators built for people serious about reaching FIRE (Financial Independence, Retire Early). 100% FREE. NO ADS. NO TRACKING. NO BS. Powerful, easy-to-use, privacy-first calculators that help you take control of your financial future—without costing you a dime. ————————————————————— CALCULATORS TO ACCELERATE YOUR FIRE JOURNEY FIRE Calculator Calculate your Traditional FIRE number, Coast FI target, and Monte Carlo success probability all in one view. See exactly how much you need to retire and your probability of success. • Traditional FIRE: Your full retirement number based on annual expenses and withdrawal rate • Coast FI: How much you need today to coast to retirement without additional savings • Monte Carlo Success: Your probability of reaching your FIRE goal accounting for market volatility Buy vs Rent Calculator - NEW! Finally answer the question: should you buy or rent? Get a clear recommendation based on comprehensive analysis of total costs, opportunity costs, investment returns, mortgage details, and insurance over your timeline. • Total cost comparison over your stay duration • Opportunity cost of down payment invested • Mortgage interest and principal breakdown • Property taxes, HOA fees, and insurance • Clear "buy" vs "rent" recommendation Compound Interest Calculator Master the math of wealth building with three powerful calculation modes: • Future Value: See how your money grows with regular contributions • Required Contribution: Calculate the monthly amount needed to reach your goal • Years to Goal: Find out how long it takes to hit your target with your current savings rate Car Payment Calculator - NEW! Calculate monthly car payments with comprehensive breakdowns. See total interest paid and optimize your loan terms before signing. • Monthly payment calculations • Total interest and cost over loan life • Principal vs interest breakdown • Compare different loan terms and rates Inflation Calculator Adjust dollar amounts for inflation using real CPI data (1913-2024). Understand what your money will be worth in the future, or what past dollars are worth today. Projects 3% annual inflation for future years to help you plan ahead. ————————————————————— BUILT FOR YOU Completely Free Every calculator. Every feature. Zero cost. Built for people who are serious about their money and don't want to waste it on yet another subscription or expensive app. Privacy First All calculations happen on your device. We don't collect, store, or transmit any of your data. Ever. Beautiful UX Smooth sliders with haptic feedback and an industrial design that feels premium. Results stay visible while you scroll—no more hunting for numbers. Mobile-Optimized Built specifically for iPhone with perfect touch targets, intuitive controls, and state persistence that remembers where you left off. Support Development (Optional) If you find the app valuable, optional "Buy Me a Matcha" tips are available. But the app is 100% functional without tipping—no guilt, no pressure, no locked features. ————————————————————— PERFECT FOR • FIRE community members tracking their journey to financial independence • Anyone deciding between buying vs renting • Home buyers calculating mortgage payments and total costs • Car buyers comparing loan options • Investors who want to understand compound growth • People planning for inflation and future purchasing power • Anyone who's tired of expensive financial apps with subscriptions ————————————————————— YOUR DATA STAYS YOURS Zero data collection. Zero third-party tracking. Just calculators that work, respect your privacy, and help you reach financial independence faster. And now, completely free. ————————————————————— Built by a developer in the FIRE community, for the FIRE community.