NestEgg: FIRE Calculator

Calvin Ficklin

In-app purchases

About this app

What's your FIRE number — and when could you actually retire?

Most retirement calculators ask for three numbers and hand you a year. That's not a plan, that's a guess. NestEgg models the mechanics that actually decide whether you make it: your real return after inflation, the tax treatment of every account you draw from, and how much claiming Social Security at 62 versus 70 changes the number you need.

FIVE WAYS TO BE FINANCIALLY INDEPENDENT
Pick the one that fits and the whole app tailors itself around it.
• Traditional FIRE — retire fully on 25x your annual spending
• Lean FIRE — minimalist budget, earliest possible exit
• Fat FIRE — retire early without downsizing the good life
• Coast FIRE — front-load savings, let compounding finish the job
• Barista FIRE — semi-retire with part-time income bridging the gap

YOUR DASHBOARD
A live progress ring toward your FIRE number, your projected FIRE year, savings rate, contribution gap and net worth — all recomputed the moment you change anything.

PROJECTIONS TO AGE 95
A year-by-year chart of your portfolio in today's dollars, your FIRE number drawn on it, the crossing year marked, and a depletion warning if the money runs out first.

TAX DRAG, MODELLED PROPERLY
Traditional, Roth and taxable accounts tracked separately, with long-term capital gains treatment, RMDs, Roth conversion ladders and an early-retirement healthcare (ACA) bridge. Built on current IRS and SSA figures — brackets, standard deduction, 401(k) and Roth IRA limits, the wage base.

PLAN WITH YOUR PARTNER
Two incomes, two retirement ages, one shared date.

FREE, NOT A TRIAL
Your FIRE number, savings rate, income, expenses, balances, the dashboard and the projection chart are all free — along with the assumptions behind them: real return, inflation, safe withdrawal rate and state tax. The free version answers "what's my number and am I on track?" completely.

NESTEGG PRO
What costs money is the depth:
• What-if scenarios overlaid on your real plan
• The full year-by-year table, projected past age 70
• Social Security modelling at any claim age
• Withdrawal order and drawdown strategy
• The early-retirement healthcare bridge
• Income optimizer, bonuses and paycheck splits
• Life events, inheritance, properties and 529 plans
• Every theme

$1.99/month, cancel anytime — or $19.99 once, yours forever. Purchases are billed through Google Play; a subscription renews automatically until you cancel it in your Play account settings.

YOUR DATA
No ads, ever, and your figures are never sold or shared. Start with no sign-up at all — explore as a guest and attach a Google or phone account later only if you want your plan to sync across devices. You can delete your account and everything in it from Settings, instantly.

A NOTE ON WHERE YOU LIVE
The core planner — your number, savings rate, projections and every FIRE style — works wherever you are. Tax, pension and healthcare modelling uses United States figures (IRS brackets, 401(k), Roth, Social Security, ACA), so treat those specific numbers as US-based.

NestEgg is an educational planning tool, not financial advice. Projections use a steady real return you pick, so you can see the mechanics rather than a probability you can't interrogate. Every model is wrong about something — use it to think, not to decide.

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What’s new

• The FIRE year on Today's timeline now agrees with the Projections tab. It had been showing your retirement date, not the year the money is actually enough.
• Projections is one screen: drag across any of the three charts to inspect a year, each with the dial that moves it.
• Rent out a property and its net income flows into your growth chart.
• Fixes: retirement spending inflates from today, and Social Security holds its value in today's dollars.