FIRECalc vs Plan My FIRE

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 automatically puts your withdrawals in the most effective order (Cash, Roth, 401k, Brokerage, Crypto, HELOC) to minimize taxes and maximize longevity. Prefer your own approach? Switch to Custom and drag accounts into any order you like. Tax-Aware Planning: Every year of your plan is calculated with taxes in mind, so you see what you actually keep, not just what you withdraw. 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 Medicaid and SNAP for all 50 states) during your "gap years," effectively extending your portfolio's life. Just turn on "Include Aid in FIRE?" and FIRECalc plans your withdrawals to keep your income under aid limits. HELOC Strategy: Home equity loan draws don't count as income. When aid is on, FIRECalc can draw from a HELOC to help you stay under Medicaid and SNAP limits without triggering a taxable event. Don't plan to use aid? Turn it off with one tap. 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: [www.apple.com/legal/internet-services/itunes/dev/stdeula](https://www.apple.com/legal/internet-services/itunes/dev/stdeula/)

Plan My FIRE is your guided path to early retirement — an all-in-one, free workspace that helps your whole household reach financial independence. Start simple: sensible, sourced defaults are filled in for you, so you and your partner can build a real plan in minutes — healthcare costs and all. No login required to get started, and the math is fully transparent: every number is yours to see, check, and adjust. WHAT YOU CAN DO Build your FIRE plan three ways: Income Stream (most cautious), Principal-Preserving (keep your nest egg intact), or Portfolio Drawdown (most flexible). Track your whole household's portfolio in one place, with prices updated daily, and see your asset allocation at a glance. Run the numbers with free, transparent calculators: retirement healthcare costs, Social Security benefits, taxes, living expenses, investments, and mortgage. See your progress toward financial independence and your target retirement age. Learn as you go with plain-English guides to FIRE concepts. PRIVATE BY DESIGN No login required: start using every planner and calculator right away — no account, no sign-up. Local-first: the figures you enter stay on your device by default. Optional account: add one only to sync across devices — a one-time email code, no password. Face ID / Touch ID app lock keeps your numbers private. No ads, and we never sell your data. Disclaimer: Plan My FIRE provides educational planning tools and estimates, not financial advice. Projections are illustrative and are not guarantees of future results.