FIRE Retirement Calculator

FIRE Calculator is an offline retirement simulator and portfolio backtester designed to help you model your path to Financial Independence, Retire Early (FIRE) right on your phone. Stop wrestling with clunky spreadsheets or waiting for web-based tools to load. FIRE Calculator runs advanced Monte Carlo simulations and historical market backtests locally on your device, letting you stress-test your nest egg against inflation, market volatility, and Sequence of Returns Risk (SRR) in seconds. ━━━━━━━━━━━━━━━━━━━━ WHAT IT SIMULATES & CALCULATES ━━━━━━━━━━━━━━━━━━━━ • Safe Withdrawal Rate (SWR) modeling (test the 4% rule, dynamic guardrails, or custom rates) • Monte Carlo portfolio probability distributions over 10, 20, 30, or 40+ year horizons • Historical market backtesting against past economic cycles and high-inflation regimes • Net worth trajectory projections factoring in savings rate, portfolio growth, and final target numbers • Multiple income streams (pensions, side hustles, real estate, or phased retirement milestones) Works for all FIRE strategies, including Lean FIRE, Fat FIRE, Coast FIRE, and Barista FIRE. ━━━━━━━━━━━━━━━━━━━━ WHY FIRE PRACTITIONERS USE IT ━━━━━━━━━━━━━━━━━━━━ • Instant Mobile Modeling: Adjust your portfolio allocation, annual spending, or retirement age on the fly using responsive sliders instead of broken cell formulas. • Visual Success Probability: Instantly see your portfolio success rate percentage and historical median trajectories at a glance. • Zero Spreadsheet Clutter: Replace massive, fragile Google Sheets with a dedicated, beautifully designed native app built specifically for early retirement math. • 100% Offline Performance: No signal on the train, plane, or commute? Run simulations anywhere without needing an active internet connection. ━━━━━━━━━━━━━━━━━━━━ 100% PRIVATE & OFFLINE-FIRST (NO CLOUD) ━━━━━━━━━━━━━━━━━━━━ Your personal net worth, savings numbers, and retirement plans are nobody's business but your own. FIRE Calculator runs entirely on your device: • 100% local-first data storage—no financial figures uploaded to remote servers • No bank logins, account creation, or cloud sync requirements • Zero tracking SDKs, data harvesting, or third-party ads Your financial data stays strictly private on your phone. ━━━━━━━━━━━━━━━━━━━━ PLANS & ACCESS TIERS ━━━━━━━━━━━━━━━━━━━━ • Free Tier: Access core retirement simulation tools, standard SWR calculators, and net worth trajectory projections with daily limits. • Pro Tier: Unlock advanced Monte Carlo simulations, historical backtesting ranges, multi-stream income modeling, and extended parameter controls. • Lifetime Unlock: Pay once to secure permanent access to all advanced modeling features without recurring monthly fees. Managed securely through Google Play Billing. ━━━━━━━━━━━━━━━━━━━━ IMPORTANT DISCLAIMERS ━━━━━━━━━━━━━━━━━━━━ • Informational & Educational Tool: Calculations and projections provided by this app are for simulation and educational purposes only. They do not constitute certified financial, tax, or investment advice. Always perform thorough due diligence before making major financial decisions. Stop guessing if your portfolio will survive retirement. Run real-world market simulations, track your safe withdrawal rate, and take control of your FIRE journey today.