FIRE: Retirement Calculator

Know the day you can retire, and watch it move closer every time you save. FIRE: Retirement Calculator computes your FIRE number, projects the date you reach it, and puts a live countdown to that day on your home screen. The widget counts down to your own computed FIRE date, not one you type in. Update your investments and the date moves. No account, no ads, no tracking. We never see your numbers. Your FIRE number is what you need invested to stop relying on a paycheck: your annual spending divided by a safe withdrawal rate (the 4% rule, adjustable). FIRE works it out from your numbers and shows the date you get there. FREE — NO ACCOUNT, NO TIME LIMIT • Your FIRE number, from your expenses and safe withdrawal rate • A live countdown to your computed financial-independence date • Home-screen and Lock Screen widgets • Edit every input and recompute instantly: investments, contributions, expenses, expected return, withdrawal rate, birth date • Enter contributions and spending per month or per year, whichever you know • One-tap "update investments" to move the date • Your compound-interest growth chart, all the way to the FIRE date • Inflation-adjusted (real) returns, stated plainly • Milestone reminders and an optional fixed target date • "How this is calculated" — the exact formula, on your own numbers FIRE PRO — ONE-TIME PURCHASE, YOURS FOREVER • Explore scenarios: change a number and see how much sooner you could retire • Chance of success: a Monte Carlo simulation of how often your money lasts • Account for taxes: treat your spending as after-tax and add the taxes you'll owe on withdrawals, so your number and date reflect what you'll really need • FIRE types: Coast FIRE, Lean FIRE, Barista FIRE, Chubby FIRE, and Fat FIRE — each computed from your own expenses • Pension and state benefits: add income that starts at a set age and lowers your number • Growth vs. savings: see how much of your balance is contributions and how much is growth, year by year • History: track your investments over time • Extra widget styles: progress ring and target date Every install starts with 14 days of full Pro — no card, no auto-charge. After that, your FIRE number, the countdown, the standard widget, and the growth chart stay free. QUESTIONS FIRE ANSWERS • When can I retire, and at what age? • What is my FIRE number, and how much do I need to retire early? • What are Coast, Barista, Lean, Chubby, and Fat FIRE for my own numbers? • How much sooner could I retire if I save more, spend less, or earn a higher return? • Will my money last through retirement? (Monte Carlo chance of success) • How much more do I need if I account for taxes on withdrawals? WHO IT'S FOR Anyone pursuing FIRE — Financial Independence, Retire Early — and anyone who wants a clear answer to "when can I retire?" Whether you're planning a traditional retirement, coasting to it, or leaving work early, FIRE gives you a number, a date, and the math behind both. PRIVATE BY DESIGN Your plan lives on your device, and in your own private iCloud if you sync between devices. No account, no sign-in, no ads, no tracking, no analytics — we never see your numbers. In the app switcher your plan is hidden behind a plain cover, and an optional Face ID / Touch ID lock keeps it hidden until you confirm it's you. The App Store privacy label is Data Not Collected. NO SUBSCRIPTION FIRE Pro is a single purchase, not a recurring charge. Restore it anytime on your other devices. FIRE is an educational planning tool, not financial advice. Projections are illustrative estimates based on the assumptions you enter — not guarantees of any outcome. Available in English and Spanish.