FI Calc
FI Calc is a free web calculator for examining retirement plans and withdrawal strategies using historical data.
What FI Calc is
FI Calc is a free web calculator for examining retirement plans and withdrawal strategies using historical data. It runs simulations with annual figures from 1871 through 2024, compiled from Robert Shiller’s data set; the maker cautions that historical results do not guarantee future performance. Users can model equities, bonds, and cash, adjust rebalancing and allocations over time, and add income such as wages or Social Security. The calculator also supports extra withdrawals for future expenses. It offers income and savings-growth projections, withdrawal planning, Social Security modeling, and scenario analysis, with CSV export for all simulations or an individual simulation. FI Calc does not automatically account for taxes or required minimum distributions and does not currently support Monte Carlo simulations. Inputs are processed in the browser, but saved or shared calculations are encoded in URLs that may be received by the hosting provider, site services, and link recipients. Google Analytics also receives usage information, including page URLs that may contain saved inputs. The creator is identified as James, who says he started the project in 2018.
Good
- Uses annual historical data from 1871 through 2024.
- Models equities, bonds, and cash.
- Can include wages or Social Security income.
- Exports simulations as CSV files.
- Processes calculator inputs in the browser.
Watch out
- Does not automatically model taxes or required minimum distributions.
- Does not currently support Monte Carlo simulations.
- Saved calculations in URLs may be received by services and recipients.
- Google Analytics receives usage information, potentially including saved inputs.
Who it suits
FI Calc suits people who want to compare retirement and withdrawal scenarios against historical data. It is not a substitute for financial advice, and users should account for its stated tax and simulation limitations.
Verdict
FI Calc provides several ways to model retirement income, allocations, and withdrawals against historical data. Its tax and simulation limits, along with the URL and analytics data handling, are important to consider.
Plans and prices
From FI Calc's own pricing page, checked 4 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Free | Free | Calculator access · supported by donations |
The facts
Each one read from FI Calc's own pages, with the date it was checked.
What it does
- Analytics
- FI Calc uses Google Analytics, which receives usage information including page URLs that may contain saved calculation inputs.checked 4 Oct 2026
- Backtesting
- It runs retirement simulations using historical data, and the maker says results do not guarantee future performance.checked 4 Oct 2026
- Creator and history
- The FAQ identifies the creator as James and says he started the project in 2018.checked 4 Oct 2026
- Financial advice
- FI Calc says it does not provide financial advice and advises consulting a licensed financial professional before making financial decisions.checked 4 Oct 2026
- Historical data
- The calculator uses annual historical data from 1871 through 2024, compiled from Robert Shiller’s data set.checked 4 Oct 2026
- Income and withdrawals
- The calculator supports additional withdrawals for future expenses and income such as wages or Social Security.checked 4 Oct 2026
- Integrations
- The maker describes CSV export for further analysis in a spreadsheet application of the user's choice.checked 4 Oct 2026
- Portfolio assets
- Users can model equities, bonds, and cash, and configure rebalancing and changing allocations over time.checked 4 Oct 2026
- 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.checked 4 Oct 2026
- Purpose
- FI Calc uses historical data to evaluate retirement plans and withdrawal strategies.checked 4 Oct 2026
- Results export
- Users can export all simulations or an individual simulation as a CSV file.checked 4 Oct 2026
- Simulation limits
- FI Calc does not currently support Monte Carlo simulations.checked 4 Oct 2026
- Support
- The maker invites users to contact them by email at [email protected] or on X at @ficalc.checked 4 Oct 2026
- Tax and RMD limits
- FI Calc does not automatically account for taxes or required minimum distributions.checked 4 Oct 2026
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