No. 5 of 26 ·Retirement Planning Software

FI Calc

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Freedom report

Two barsScore 6.4

Free tierA free tier is on its own pricing page
Open codeNo open-source code on record
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

FI Calc is ranked #5 of 26 in retirement planning software on Freedom251. It runs on Web. There is a free plan.

FI Calc plans and pricing

All plans

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

Compared on retirement planning software

Free plan: Yes
Income projection: Yes
Savings growth projection: Yes
Withdrawal planning: Yes
Tax modeling: none
Social Security modeling: Yes
Scenario analysis: Yes

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The record

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

Where it ranks on Freedom251

Best Retirement Planning Software in 2026#5 of 26

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Sources

ficalc.app/docs· checked 4 Oct 2026
ficalc.app/docs/introduction/backtesting· checked 4 Oct 2026
ficalc.app/docs/configuration/historical-data· checked 4 Oct 2026
ficalc.app/docs/configuration/portfolio· checked 4 Oct 2026
ficalc.app· checked 4 Oct 2026
ficalc.app/docs/usage-guides/exporting-results/· checked 4 Oct 2026
ficalc.app/privacy· checked 4 Oct 2026
ficalc.app/contact· checked 4 Oct 2026
ficalc.app/about· checked 4 Oct 2026
ficalc.app/docs/other/faq· checked 4 Oct 2026