Best FIRE Calculator Apps in 2026: An Honest Comparison

Eleven calculators and apps for financial independence, compared on what they cost, how they model the future, whether they need your bank login, and where they run. Prices and features were checked on each tool’s own site or App Store page on 19 October 2026.

Disclosure: we make Untilfree, one of the apps below. We have tried to describe it as plainly as the others, including what it does not do. We have no deal with any other tool on this page, and none of the links are affiliate links.

The comparison table

“Not stated” means the tool’s own page did not say either way when we checked; it may still exist. We did not check Google Play listings, so Android availability is only listed where the developer says it.

Each tool in a few lines

Untilfree (our app)

You enter age, savings, monthly investing and monthly spending, and it gives a freedom date, a day count that drops every night, and a cautious, likely and optimistic range. “Price it” turns a purchase into days of freedom; “What if” shows how saving more or spending less moves the date. No account, no bank link; numbers stay on the phone.

Limits: iPhone only for now (Android is in closed testing). No taxes, no 401(k), IRA or ISA account types, no Social Security or state pension, no couples mode, no Monte Carlo or historical backtest. It counts down to full independence, not Coast FIRE. The free version has ads; Price it and What if are unlimited for the first 3 days, then 3 a day.

ProjectionLab

The deepest planner here for FIRE-style plans. The free Basic tier already includes Monte Carlo and historical backtesting; Premium ($129 a year, annual billing only) adds tax estimation, Roth conversions, ACA subsidies, capital gains harvesting, compare mode and multiple plans. There is no App Store or Google Play app; its help page explains how to install the web app on a phone’s home screen.

Boldin (formerly NewRetirement)

A traditional retirement planner with a free Basic tier (100+ inputs, what-if scenarios, up to 5 alerts). Monte Carlo and account linking need PlannerPlus at $168 a year after a 14-day trial. It is aimed at retirement in general more than early retirement.

Empower

A free net-worth tracker with a retirement planner, built around linking your accounts. Its iPhone app has 4.8 stars from about 420,000 ratings. The free tools sit next to a paid advisory service, so expect to see offers for it.

FIRECalc

The classic success-rate check: it runs your plan through every starting year since 1871 (data updated April 2026) and tells you how often it would have lasted. Free, no taxes, and a simple, older interface.

cFIREsim

A backtester for people who like options: many spending rules (VPW, Guyton-Klinger, variable CAPE and more), gold and cash in the mix, a glide path, two Social Security sources and pensions. Its data is stamped August 2026. The form is long, and it is web only.

FI Calc

A clean historical backtest focused on withdrawal strategies such as constant dollar, Guyton-Klinger, VPW and Vanguard’s dynamic spending, with income streams and a table for every simulation. Supported by donations; web only.

Engaging Data FIRE calculator

Answers “how many years until I can retire?” with probability bands from Monte Carlo and about 145 years of history, and runs in the browser without sending your data. It covers the years before retirement only; the same site has a separate calculator for drawdown.

Networthify

The simplest of the group: savings rate in, years to retirement out. It assumes constant expenses and after-tax inputs, which makes it a good illustration and a rough first estimate, not a plan.

simpleFIRE

A private iPhone, iPad and Mac app with no ads and no subscription. The free version shows a projection; a $24.99 one-time Premium unlocks time to FI, drawdown, 5,000-run Monte Carlo, historical mode, saved profiles and PDF reports. It has very few ratings so far.

FIRE and Retirement Calculator

A $9.99 iPhone app that runs about 1,000 Monte Carlo scenarios and says it factors in taxes and inflation. It also has very few ratings, so there is little public feedback to go on.

How to choose

• “Roughly when can I stop working?” Start simple: your savings rate sets most of the answer. Networthify, the Engaging Data calculator or Untilfree give an answer in a minute.
• “Will my money last once I stop?” Use a backtester: FIRECalc, cFIREsim or FI Calc, or ProjectionLab’s free tier for Monte Carlo too. Read the result as a success rate, not a guarantee.
• “What about taxes, Roth conversions and account order?” You need a full planner such as ProjectionLab Premium, or a fee-only adviser. Simple calculators and countdown apps leave taxes out.
• “I want everything synced automatically.” Empower, or Boldin PlannerPlus, link your accounts. Weigh that against sharing your bank logins.
• “I want to stay motivated day to day.” A phone app you glance at, such as a countdown, does a different job from a planner you open twice a year. Many people use one of each.

Whatever you pick, check three things: results shown in today’s money (after inflation), a range rather than one confident number, and assumptions you can change, such as the withdrawal rate.

Sources

Checked on 19 October 2026. Prices are in US dollars as shown to us and can change; check each site before you buy.

• ProjectionLab — pricing · mobile support
• Boldin — pricing
• Empower — retirement planner · App Store listing
• FIRECalc
• cFIREsim
• FI Calc
• Engaging Data — FIRE calculator
• Networthify — early retirement calculator
• simpleFIRE — App Store listing
• FIRE and Retirement Calculator — App Store listing
• Untilfree (our app)

This page is general information, not investment or tax advice. Untilfree gives estimates in today’s money (after inflation); taxes and state pensions are not included.

Published 19 October 2026 · by Srofia, the team behind Untilfree