A FIRE calculator that verifies or determines your retirement number
Most retirement calculators either oversimplify things or ask you to link your accounts so they can make money off your data. I wanted something that actually helped me see if I was on track without handing over a bank login, so I built RetireNumber. It's a privacy-first retirement planner. You type in your own numbers. No account linking, no selling your data, no VC. Just me and a subscription. The engine does real math: Monte Carlo with 1,000 runs, historical backtesting to 1928 using Shiller's Yale data, tax-aware withdrawal strategies, and scenario comparison so you can try different…
What it does
In the maker’s words, at launch
Most retirement calculators either oversimplify things or ask you to link your accounts so they can make money off your data. I wanted something that actually helped me see if I was on track without handing over a bank login, so I built RetireNumber. It's a privacy-first retirement planner. You type in your own numbers. No account linking, no selling your data, no VC. Just me and a subscription. The engine does real math: Monte Carlo with 1,000 runs, historical backtesting to 1928 using Shiller's Yale data, tax-aware withdrawal strategies, and scenario comparison so you can try different life paths. Whether you're still figuring out your number or you already have a target in mind, you can use it to get there or to check that your plan actually holds up. You can try it without signing up: https://retirenumber.com/try. There's a demo mode and a short guided tour. Changelog and the full story are on the site if you want to dig in. This isn't financial advice. It's just a tool for checking your number and whether your plan holds up. There is still a lot to but I'd love to hear whether the inputs and results feel clear and useful. -Mark
Does the same job
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Hi HN, I built Firenum because most FIRE calculators I found were either too simplistic or required uploading my entire financial life to a third-party server. I wanted a comprehensive suite that could model more than just the 4% rule. This tool handles Coast, Lean, Fat, and Barista FIRE, but more importantly, it lets you model 'what-if' scenarios like market crashes or major life events to see how they impact your timeline. Key features: -> Privacy-First: No signup required. All calculations and data persistence happen in your local storage. Nothing is sent to a backend. -> Scenario…
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