FI Calc vs RetireSecure
FI Calc
ficalc.appRetireSecure
retiresecure.co.ukSide by side
| Figure | FI Calc | RetireSecure |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Plans published | 1 | 1 |
| Spec score · Retirement Planning Software | 7.8 (#11) | 7.8 (#15) |
| Backtesting | It runs retirement simulations using historical data, and the maker says results do not guarantee future performance. | The simulator tests a plan against different historical backtest scenarios. |
| Purpose | FI Calc uses historical data to evaluate retirement plans and withdrawal strategies. | RetireSecure is a retirement cash flow planning simulator. |
Plans
In their own words
FI Calc
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.
RetireSecure
RetireSecure is a web-based simulator for planning retirement cash flow. Enter a target retirement income, current portfolio, planned savings and retirement timing, then explore how a plan performs across backtest scenarios. It offers three modes: Plan Simulator, Decumulation and Bond Ladder. Plan Simulator lets users choose simulation models, withdrawal methods, secure income strategies and dynamic asset allocation. Decumulation compares outcomes across drawdown and secure income strategies, while Bond Ladder builds a ladder of government index-linked bonds to provide a secure income floor. The simulator is designed primarily for UK investors, offers GBP- and USD-denominated datasets, applies UK tax treatment across various account types, and supports individual and joint plans. RetireSecure says it is free to use and intended for educational and informational purposes, including for experienced investors; it does not constitute financial advice. The listed contact email is [email protected].