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FI Calc

ficalc.app

Free plan Web
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Spec score 7.8 #11 of 26 in Retirement Planning Software

What it is

FI Calc is a free web calculator for evaluating retirement plans and withdrawal strategies with historical market data. It runs simulations from annual figures covering 1871 through 2024, compiled from Robert Shiller’s data set, while warning that historical results do not guarantee future performance. Users can model equities, bonds and cash, set rebalancing and changing allocations, and add wages, Social Security or extra withdrawals for future expenses. The calculator provides income projection, savings growth projection, withdrawal planning, Social Security modeling and scenario analysis. Simulations can be exported as CSV files for spreadsheet analysis. Inputs are processed in the browser; saved or shared calculations are encoded in URLs that may reach the hosting provider, services and recipients. Google Analytics may receive page URLs containing saved inputs. FI Calc does not automatically model taxes or required minimum distributions and currently has no Monte Carlo simulations. The free plan costs nothing.

Spec sheet

Purpose
FI Calc uses historical data to evaluate retirement plans and withdrawal strategies.Read 4 Oct 2026 · ficalc.app
Integrations
The maker describes CSV export for further analysis in a spreadsheet application of the user's choice.Read 4 Oct 2026 · ficalc.app
Privacy
Calculator inputs are processed in the browser, and saved or shared calculations are encoded in URLs that may be received by the hosting provider, site services, and link recipients.Read 4 Oct 2026 · ficalc.app
Support
The maker invites users to contact them by email at [email protected] or on X at @ficalc.Read 4 Oct 2026 · ficalc.app
Analytics
FI Calc uses Google Analytics, which receives usage information including page URLs that may contain saved calculation inputs.Read 4 Oct 2026 · ficalc.app
Backtesting
It runs retirement simulations using historical data, and the maker says results do not guarantee future performance.Read 4 Oct 2026 · ficalc.app
Creator and history
The FAQ identifies the creator as James and says he started the project in 2018.Read 4 Oct 2026 · ficalc.app
Financial advice
FI Calc says it does not provide financial advice and advises consulting a licensed financial professional before making financial decisions.Read 4 Oct 2026 · ficalc.app
Historical data
The calculator uses annual historical data from 1871 through 2024, compiled from Robert Shiller’s data set.Read 4 Oct 2026 · ficalc.app
Income and withdrawals
The calculator supports additional withdrawals for future expenses and income such as wages or Social Security.Read 4 Oct 2026 · ficalc.app
Portfolio assets
Users can model equities, bonds, and cash, and configure rebalancing and changing allocations over time.Read 4 Oct 2026 · ficalc.app
Results export
Users can export all simulations or an individual simulation as a CSV file.Read 4 Oct 2026 · ficalc.app
Simulation limits
FI Calc does not currently support Monte Carlo simulations.Read 4 Oct 2026 · ficalc.app
Tax and RMD limits
FI Calc does not automatically account for taxes or required minimum distributions.Read 4 Oct 2026 · ficalc.app

Plans and prices

Free Free Calculator access · supported by donations Read 4 Oct 2026 · ficalc.app

Every FI Calc plan and price →

Strong points and limits

Strong points

  • Free web calculator
  • Historical data from 1871 through 2024
  • Models equities, bonds and cash
  • Supports income and withdrawal scenarios
  • CSV export for spreadsheet analysis

Limits

  • No automatic tax modeling
  • No required minimum distribution modeling
  • Monte Carlo simulations unavailable
  • Saved inputs can appear in URLs

Who it suits

It suits people wanting browser-based retirement scenarios using long historical data and CSV export. Users needing tax, RMD or Monte Carlo modeling will need other tools.

Verdict

FI Calc offers broad retirement scenario controls without a subscription charge. Its historical approach, privacy behavior and missing tax, RMD and Monte Carlo features should shape how results are used.

Where Specifiction places it

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