Comparison

NestPlan Retirement Planner vs FIRECalc

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

NestPlan Retirement Planner

Plan your financial future with confidence using this comprehensive retirement calculator. It offers detailed projections, supports various account types, and integrates Social Security benefits. All calculations are performed on your device, ensuring your financial data remains private.

Highlights
  • Comprehensive retirement projections
  • Support for 401(k), IRA, Roth, Brokerage, HSA
  • Social Security benefit integration
  • Year-by-year projection tables
  • Interactive charts
  • Monte Carlo simulations
  • PDF report export
Features
Read full description

Know exactly when you can retire, and exactly what you'll have when you do. NestPlan turns your real accounts, contributions, and goals into one clear projection: your balance at retirement, and at every age for the rest of your life. No vague averages. No "you'll need a million dollars." Your actual number, to the dollar. SIMPLE OR ADVANCED, YOUR CHOICE Start in Simple mode with a few questions and get a real answer in seconds, including a realistic tax mix you can adjust (mostly pre-tax, balanced, or Roth-heavy). Ready for more? Switch to Advanced for full, account-by-account detail. Each mode keeps its own plan, so you can move between them without losing a thing. TODAY'S DOLLARS OR FUTURE DOLLARS See every number the way that makes sense to you. View your projection in today's dollars to understand its real buying power, or in future dollars to see the actual balance, with one tap, from any screen. YOUR PROGRESS NestPlan saves a snapshot every time you run a projection or update your balances, so you can watch your retirement odds and savings move month over month. Your starting line, your trend, and an honest read when markets dip. Your history is yours: review it, prune it, and back it up. WHY NESTPLAN Most calculators give you a single guess. NestPlan gives you the full picture, the way an advisor would: • Your balance at retirement, and every year through the end of your plan • The earliest age you can realistically retire, and what you'll have when you get there • Three market scenarios side by side (expected, better, and worse) so you know how durable your plan really is • Every account in one place: 401(k), Roth, IRA, Brokerage, HSA, and Cash & CDs • Balances by account type over time: watch each account grow year by year • Your Progress: snapshots of your success rate and savings over time • Social Security built in, at the age you actually plan to claim • Real annual taxes, RMDs, and a sensible withdrawal order modeled for you • Light or Dark mode, and a clean, institutional design BUILT AROUND YOUR NUMBERS You enter your real balances, your real contributions, your real target date. NestPlan runs the real math. No sign-up, no guesswork. NESTPLAN PRO, 14-DAY FREE TRIAL • Monte Carlo: 1,000 market simulations distilled into one clear read on whether your money lasts, and your first stress-test runs automatically • Your Progress: your plan's history, tracked over time • Save up to 10 scenarios and compare retiring at 60 vs 65 vs 70 in seconds • Spouse and joint planning • PDF reports to share with your advisor • Back up and restore your plan, progress history included Cancel anytime before the trial ends and you won't be charged. PRIVATE BY DESIGN No account. No ads. No tracking. Your financial data never leaves your iPhone. Download NestPlan and see your number today. SUBSCRIPTION DETAILS NestPlan Pro is an auto-renewable subscription. • NestPlan Pro: $29.99 per year, after a 14-day free trial • Payment is charged to your Apple Account at confirmation of purchase • Your subscription renews automatically unless canceled at least 24 hours before the end of the current period • Manage or cancel anytime in your Apple Account settings Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://topshopnation.com/nestplan/privacy.html

About

FIRECalc

This app simulates thousands of market scenarios to provide customized retirement planning. It helps you determine your exact retirement age, safe annual budget, and optimal withdrawal strategy across various assets, factoring in potential government aid.

Highlights
  • Thousands of market simulations
  • Customized retirement runway
  • Smart drawdown strategy
  • Government aid factoring
  • Multi-asset tracking
  • Flexible budget scenarios
Features
Read full description

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/

Screenshots

NestPlan Retirement Planner4 screens
FIRECalc4 screens

Verdict

The call

The clearest difference is update cadence: FIRECalc at every 2 days against NestPlan Retirement Planner's every 5 days. On price, rating, review sentiment and ratings volume there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. NestPlan Retirement Planner sells 2 in-app purchases, starting at $3.99 per month and FIRECalc sells 2 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for NestPlan Retirement Planner against 5.0 for FIRECalc. Both are backed by a comparable volume of ratings — 4 and 6 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

UpkeepUpdate frequency

NestPlan Retirement Planner ships an update every 5 days, FIRECalc every 2 days. The most recent releases landed on August 18, 2026 and July 18, 2026 respectively.

Scorecard1 real difference · 9 level
NestPlan Retirement Planner versus FIRECalc: the parameters behind the verdict, then further details
ParameterNestPlan Retirement PlannerFIRECalc
PriceFreeFree
Rating5.0 (4 ratings)5.0 (6 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings46 — better
Update frequencyEvery 5 daysEvery 2 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size23 MB18 MB
Age rating4+4+
DeveloperCoreForge LLCTimothy DeGraff

Customer experience

NestPlan Retirement Planner

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

FIRECalc

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

2 purchases

NestPlan Retirement Planner

Subscriptions2
  • NestPlan Pro Monthly14 Days trial$3.991 Month
  • NestPlan Pro14 Days trial$29.991 Year
2 purchases

FIRECalc

Subscriptions2
  • Premium Monthly Access3 Months trial$9.991 Month
  • Premium Monthly Access1 Year trial$79.991 Year

Questions

Is NestPlan Retirement Planner free?
NestPlan Retirement Planner is free to download, with in-app purchases available.
Is FIRECalc free?
FIRECalc is free to download, with in-app purchases available.
Which has better reviews, NestPlan Retirement Planner or FIRECalc?
NestPlan Retirement Planner and FIRECalc are both rated 5.0 out of 5 on the App Store, from 4 and 6 ratings respectively.
Do NestPlan Retirement Planner or FIRECalc have ads?
Neither NestPlan Retirement Planner nor FIRECalc shows ads.
Which is updated more often, NestPlan Retirement Planner or FIRECalc?
NestPlan Retirement Planner ships an update every 5 days, and FIRECalc every 2 days. Most recently, NestPlan Retirement Planner was updated on August 18, 2026 and FIRECalc on July 18, 2026.

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