FI Calc

FI Calc is a powerful and flexible retirement calculator that simulates retirement plans using historical data. Free, privacy focused.

[FI Calc @ficalc]

2020. FI Calc 1.0
2023. FI Calc 2.0
2026. 🎁

[FI Calc @ficalc]

@RickHilton4 Glad to hear it's been helpful.

[FI Calc @ficalc]

Happy New Year! (Is it too late to say this?)

Either way, to celebrate the occasion I've just released a new update to FI Calc. All dollar inputs now have comma separators to help with legibility.

Happy calculating!

[FI Calc @ficalc]

@RomainHedouin Very cool!

[FI Calc @ficalc]

@daniserra Tap the "Read More About This Strategy" button to learn how the different algorithms work. It explains details like these!

[FI Calc @ficalc]

Small update: CSV exports now include the URL of the calculation.

I’ve also been working on a much bigger update. I’m excited to share more soon.

[FI Calc @ficalc]

@daniserra Sensible withdrawals take a base (3% in your case) and adds a % on top -- only when the market returns are positive. So if the market doesn't have positive returns for 7 years then the real withdrawal will be $30k for 7 years straight.

[Paula Pant @AffordAnything]

The thing about these tariffs that people miss isn't so much whether they cause inflation – that part's actually still up for debate.

The real problem is how they put the brakes on economic growth. They essentially shrink the economic pie for everyone.

When imported goods become more expensive (think of everything on Walmart shelves), consumers have less to spend elsewhere, reducing demand across the economy.

So what happens next is a domino effect – when people have to spend more on the basics, they start cutting back on things like vacations, restaurant meals, and all those little extras.

That money that would've been circulating through the service economy just disappears.

And when everyone's tightening their belts like this across the board, the whole economy starts to contract.

Normally, this is when the Fed would swoop in to lower rates, in order to spur spending. But in an inflationary environment, they can't and shouldn't.

The math just doesn't add up favorably here – what consumers lose through tariffs usually far outweighs any job gains in protected industries.

When you look at the total picture, the economy actually shrinks because people simply have less money to spend, and consumer spending is what really drives our economy.

Meanwhile, the Fed's stuck between a rock and a hard place with inflation still running hot, so they can't rush to cut rates.

Add in the government tightening its belt with spending cuts, and we're looking at some pretty rough economic waters ahead – probably until at least 2026.

[FI Calc @ficalc]

@daniserra The general outline is here: https://t.co/ZfIQIVmyVs

If you follow those steps, you should get pretty close. I have ideas for how to make it more clear what happens step-by-step but I'm not sure when I'll have time to add it.

[FI Calc @ficalc]

@chen_andy20538 If you mean over the course of the retirement, then no, the withdrawals are not taken from the cash portion first.

Withdrawals are always proportional. Enabling rebalancing ensures the proportions remain constant throughout the retirement.

[FI Calc @ficalc]

@qdog69 Oh you have nothing to worry about. FI Calc isn't going anywhere 🙂 I don't post much here but I've been working on some exciting things behind-the-scenes. (It may be some time before I have anything to share, however.)

[FI Calc @ficalc]

Happy New Year!

[FI Calc @ficalc]

@JamesWh10159613 I’ve considered it and will let you know if I add it!

[FI Calc @ficalc]

@guernseykate I could see defined benefit plans making sense to model as income, and defined contribution plans making sense to model as a part of the stock portfolio. Because you mentioned estimating the amounts, it sounds like you may have the latter type of plan?

[FI Calc @ficalc]

@guernseykate Thank you, Katie!

[FI Calc @ficalc]

@samAroundHere I really appreciate the offer but I don't think extra hands are what I need to get this next update over the finish line!

[FI Calc @ficalc]

@Joe54759745 Totally! One thing to consider is that some simulations, even successful ones, might dip to extremely low values before recovering. A question to ask yourself: you had 10% of your initial portfolio at year 8 of retirement, would you go back to work? 🙂

[FI Calc @ficalc]

Hey everyone, just wanted to share that I really appreciate all of the kind messages I get about FI Calc. Y’all make it worth it!

❤️❤️❤️

[FI Calc @ficalc]

@Joe54759745 I know what you mean. It can seem surprising but those first few years really have an outsized impact.

[FI Calc @ficalc]

@Joe54759745 Doesn’t look like a bug to me. Did you know you can click into the simulations to see what happens at a more granular level? 73-74 is a brutal year and that alone ultimately causes the failure.

[FI Calc @ficalc]

@Joe54759745 Perhaps. Got a link?

[FI Calc @ficalc]

@jlcard React, no theme (just plain HTML+CSS)