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FI Calc
What it is
FI Calc is a free web calculator for evaluating retirement plans and withdrawal strategies against historical data. It runs simulations using annual figures from 1871 through 2024, compiled from Robert Shiller’s data set; past results do not guarantee future performance. Users can model equities, bonds and cash, adjust rebalancing and allocations over time, and add wages or Social Security income. The calculator also supports additional withdrawals for future expenses, along with income projections, savings-growth projections, withdrawal planning and scenario analysis. Users can export all simulations or a single simulation as a CSV for spreadsheet analysis. Inputs are processed in the browser, while 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. FI Calc does not automatically account for taxes or required minimum distributions and does not currently support Monte Carlo simulations.
For and against
For
- Free web calculator.
- Uses annual historical data from 1871 through 2024.
- Models equities, bonds and cash.
- Supports wages and Social Security income.
- Exports simulations as CSV files.
Against
- Does not automatically account for taxes.
- Does not automatically account for required minimum distributions.
- Does not support Monte Carlo simulations.
- Saved inputs may appear in URLs.
The verdict
FI Calc offers historical-data retirement simulations and CSV exports at no cost. Users should note its tax and simulation limits and consider how saved inputs in URLs may be received.
Who it suits
FI Calc suits people who want to compare retirement plans and withdrawal strategies using historical data. It may also suit users who want CSV exports for spreadsheet analysis.
Plans and prices
Free
Calculator access · supported by donations
Read 4 Oct 2026 · ficalc.app
On the record
- Analytics
- FI Calc uses Google Analytics, which receives usage information including page URLs that may contain saved calculation inputs.ficalc.app · read 4 Oct 2026
- Backtesting
- It runs retirement simulations using historical data, and the maker says results do not guarantee future performance.ficalc.app · read 4 Oct 2026
- Creator and history
- The FAQ identifies the creator as James and says he started the project in 2018.ficalc.app · read 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.ficalc.app · read 4 Oct 2026
- Historical data
- The calculator uses annual historical data from 1871 through 2024, compiled from Robert Shiller’s data set.ficalc.app · read 4 Oct 2026
- Income and withdrawals
- The calculator supports additional withdrawals for future expenses and income such as wages or Social Security.ficalc.app · read 4 Oct 2026
- Integrations
- The maker describes CSV export for further analysis in a spreadsheet application of the user's choice.ficalc.app · read 4 Oct 2026
- Portfolio assets
- Users can model equities, bonds, and cash, and configure rebalancing and changing allocations over time.ficalc.app · read 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.ficalc.app · read 4 Oct 2026
- Purpose
- FI Calc uses historical data to evaluate retirement plans and withdrawal strategies.ficalc.app · read 4 Oct 2026
- Results export
- Users can export all simulations or an individual simulation as a CSV file.ficalc.app · read 4 Oct 2026
- Simulation limits
- FI Calc does not currently support Monte Carlo simulations.ficalc.app · read 4 Oct 2026
- Support
- The maker invites users to contact them by email at [email protected] or on X at @ficalc.ficalc.app · read 4 Oct 2026
- Tax and RMD limits
- FI Calc does not automatically account for taxes or required minimum distributions.ficalc.app · read 4 Oct 2026
