This page's audience our own tag's counts — open to see them

Period

–Visits

–Page views

–Clicks to vendors

–Time on page

–Reading now

Clicks to vendors, by tool

Top countries

Devices

– · visits, page views and clicks counted by our own tag, which counts more than our checked analytics; every figure rounded down · how we count

FIRECalc

Free#20 of 26 in Retirement Planning Software

FIRECalc: A free web calculator for checking retirement plans against market history dating to 1871. Ranked #20 of 26 in Retirement Planning Software by our editors (7.3/10); pricing: Free plan; best for free users testing long historical market sequences.

7.3/10Editor score

Visit FIRECalc

FIRECalc7.3 Visit FIRECalc

At a glance

Editor score
7.3 / 10
Pricing
Free plan
Best for
Free users testing long historical market sequences
Free plan
Yes
Paid from
Free
Tax modeling
None
Facts checked
19 Sep 2026

Where it wins
- Tests portfolio sustainability against market data dating to 1871
- Models Social Security, pensions, contributions, and variable spending
- Compares allocations, investment fees, timing, and scenarios
Where it doesn't
- Does not include tax planning
- Does not project income
- Does not sync accounts

Our verdict on FIRECalc

FIRECalc is a free, web-based retirement calculator for people who want to assess whether their savings and spending plans could withstand historical market conditions. Enter a portfolio value, spending, and retirement duration, then examine outcomes across historical periods dating back to 1871. It is aimed at users who want to explore sequence-of-returns risk and compare plan assumptions, rather than receive a forecast of specific future investment returns. Social Security and pension income inputs, future retirement dates, and pre-retirement contributions let users include several retirement-related assumptions in those tests.

Its main strength is the range of variables available for historical sustainability analysis. FIRECalc supports inflation-adjusted and variable spending, portfolio allocations, investment fees, and lump-sum portfolio changes by future year. Users can also compare retirement timing and scenarios, with historical success-rate reporting to show how a plan fared across the periods modeled. This makes it useful for exploring how changing spending or portfolio assumptions affects historical outcomes. The result is a stress-testing tool focused on portfolio sustainability, not a complete view of every part of retirement finances.

FIRECalc is a better fit for historical scenario exploration than for income projection or tax-aware planning: it does not project income, include tax planning, or sync accounts. Its historical success rates describe outcomes across past market sequences, not probabilities of a particular future result. Choose it if you want a free calculator for examining spending, withdrawals, timing, and portfolio assumptions against long market history. Consider another tool if you need tax modeling, projected retirement income, or account-linked planning as part of the same workflow. Its web-only platform is suited to browser-based analysis rather than account-connected management.

Your product? Our editors can test FIRECalc in depth and publish a review, labelled as paid · from $149/mo →

FIRECalc pricing

Plans Free planFree Free to use — no paid tier required for the core job.

See plans on firecalc.com

FIRECalc fact sheet

Free plan	Yes
Paid from	Free
Income projection	No
Savings growth projection	Yes
Withdrawal planning	Yes
Tax modeling	None
Social Security modeling	Yes
Scenario analysis	Yes
Account synchronization	None
Deployment	Cloud
Platforms	Web
Pricing	Free plan
Website	firecalc.com
Facts checked	19 Sep 2026

Alternatives to FIRECalc

See all FIRECalc alternatives →

Used FIRECalc? Be the first to review it

The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used FIRECalc for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.

Write a reviewTwo minutes · verified accounts only · read by an editor before it appears

Reviews come only from verified accounts. Sign in or create an account first — your e-mail is never shown.

Title

Your review

0 characters · at least 80, up to 3,000

Pros (optional · one per line)

Cons (optional · one per line)

Your name (shown with your review)

Role (optional)

Company (optional)

How long have you used it?

I've used FIRECalc myself and this is my honest opinion — nobody paid or asked me to write it.

Posted from your verified account. Reviews appear after an editor reads them, usually within two working days.

Featured on iTechGuides

FIRECalc is listed in our Retirement Planning Software directory. Add the badge to your site — it links back to this page.

<a href="https://www.itechguides.com/products/firecalc/"><img src="https://www.itechguides.com/best/badge/firecalc.svg" alt="Featured on iTechGuides" width="230" height="46"></a>

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Last updated 7 Oct 2026 · How we research and update