FIncoming vs FirePath

FIncoming is one of the easiest ways to iterate on retirement scenarios — and it's built to feel right at home on iPhone. Set up your household once, then start exploring: pull a lever — your retirement age, when you claim Social Security, how much you save or spend — and watch every projected number respond instantly, right under your thumb. "What if I retired two years earlier?" is a single tap away. It handles the details simpler calculators skip: - Federal, state, IRMAA, and Medicare premiums year by year — including required minimum distributions (RMDs) - Per-spouse retirement ages, Social Security claims, and lifespans - Roth conversion bracket-filling with IRMAA tier avoidance - Rule of 55 and 72(t)/SEPP to bridge the years before 59½ - Monte Carlo probability across 500 stressed market sequences Compare two plans side by side for free. Upgrade to save up to five named scenarios, so you never lose a version you liked. FREE INCLUDES - Tax-aware projection engine (federal, state, IRMAA, Medicare) - Monte Carlo probability scoring across 500 stressed runs - 5 core levers (retire age, SS claim, savings, spending, return) - Quick and Custom data entry — enter every input in as much detail as you want - Year-by-year color chart - Built-in disclaimers; no advisor relationship PREMIUM UNLOCKS - Bridge to 59½: Rule of 55 + 72(t)/SEPP modeled per-spouse - 7 additional planning levers - Portfolio-driven spending: VPW, Yale endowment, Guyton-Klinger - Roth bracket-filling and IRMAA tier optimization - Year-by-year drill-down: income, taxes, withdrawals - Up to 5 named scenarios with side-by-side compare - Stress-test scenarios beyond Monte Carlo - Face ID app lock YOUR DATA STAYS ON YOUR DEVICE No accounts. No cloud sync. No analytics that identify you or your plan. Delete the app and your data is gone for good. Premium Annual is an auto-renewing subscription. Payment is charged to your Apple ID at purchase and renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in Settings → Apple ID → Subscriptions. Day Pass and Lifetime are one-time purchases. Terms of Use: https://fincoming.app/legal/terms.html Privacy Policy: https://fincoming.app/privacy/ DISCLAIMER FIncoming is a planning tool, not financial advice. Projections are estimates based on the inputs and assumptions you provide. Tax calculations are simplified models, not tax preparation. Consult a financial advisor or tax professional before making major decisions.

Plan your journey to Financial Independence (FIRE). Calculate exactly when you can retire early, track your progress toward freedom and explore your financial future with 11 powerful, beautifully designed calculators. No accounts, no ads, everything stays on your device. YOUR FIRE DATE, LIVE Move a slider and watch your retirement year change in real time. No forms, no calculate buttons. Your age, spending, investments and monthly contributions turn into one clear answer: the year you can stop working. KNOW YOUR ODDS One straight projection line is a guess. The Monte Carlo simulator runs 1,000 possible market futures and tells you the probability of reaching FIRE within your horizon, including lucky and unlucky scenarios. 11 CALCULATORS, ONE APP - FIRE Calculator: your retirement year, live - Monte Carlo: your chance of making it - Coast FIRE: when growth alone carries you to retirement - Lean FIRE, Fat FIRE and Barista FIRE: three lifestyles, three targets - Compound Interest: the eighth wonder of the world - 4% Rule and Rule of 25: the classics, done beautifully - Savings Rate: the strongest FIRE lever there is - Withdrawal: how long your portfolio lasts while paying you TRACK EVERY MILESTONE A calm, gold-on-black dashboard shows your Financial Independence percentage, passive income coverage and milestone medals from your first 10k to full FIRE. WIDGET ON YOUR HOME SCREEN Your FIRE progress at a glance, updated automatically whenever your plan changes. SAVE SCENARIOS What if you invested 300 more per month? Moved somewhere cheaper? Save plans and compare their FIRE dates side by side. SHARE YOUR PROGRESS Generate a clean progress card to share your journey with the FIRE community. PRIVATE BY DESIGN No account. No tracking. No server. FirePath is fully offline and everything stays on your device. FirePath is a planning tool, not financial advice. Projections are mathematical illustrations based on assumptions you enter yourself.