# FIREcalc

> Free retirement and financial-independence calculator at https://firecalc.ai/. Calculations run in the browser. No account and no fee. Social Security is off unless the user turns it on.

FIREcalc has two calculators. Savings asks how long a portfolio takes to reach a goal in today’s purchasing power. Retirement asks what share of paths still have money at the end of every year of a chosen horizon. The embedded sample is US large-cap stocks and 10-year Treasury total returns for 1975–2024, with each year’s inflation kept on the same row. It does not include 1966 or 1973–74.

An optional email form can store an address, the time, a consent sentence, and a share link. It does not run a simulation. Delete a row at https://firecalc.ai/unsubscribe.

Retirement results also include six named stress packs (for example https://firecalc.ai/?pack=dotcom). Each replays one real stretch inside 1975–2024 and states the exact years used.

A local MCP package in the repository (`mcp/server.mjs`) runs that same engine on the user's computer over stdio. It is not a public compute API. Install notes are on the suite page. A separate link-only MCP (`workers/firecalc-link-mcp/`) is a draft for a ChatGPT connector test. It builds share URLs and does not run trials. It is not in the ChatGPT directory.

## Pages

- [Calculator](https://firecalc.ai/): The savings and retirement tools
- [Agent and plugins](https://firecalc.ai/ai): Suite home for ChatGPT, MCP, and other AI agents. Static page. No public compute API. Share links open the calculator in the browser.
- [Privacy policy](https://firecalc.ai/privacy-policy.html): Local calculations, optional email signup, Google Analytics 4, and Cloudflare Web Analytics
- [Methodology](https://firecalc.ai/llms-full.txt): How success, returns, inflation, taxes, and Social Security are defined

## Guides

Static pages. They open a share link. The browser runs the plan. They are not a compute API.

- [When can I retire?](https://firecalc.ai/guides/when-can-i-retire): Years to a savings goal in today’s purchasing power
- [How long until $1 million?](https://firecalc.ai/guides/retire-on-one-million): The same savings question at $500,000, $1 million, and $2 million
- [FIRE calculator for families](https://firecalc.ai/guides/fire-calculator-for-families): Household spending and optional spouse Social Security. No per-child module
- [Coast FIRE](https://firecalc.ai/guides/coast-fire): Zero contributions. The model does not solve for a coast number
- [Will the 4% rule work?](https://firecalc.ai/guides/four-percent-rule): Historical cycles inside 1975–2024, plus the named stress packs. Not a full-history Trinity study

## Optional

- [agents.txt](https://firecalc.ai/agents.txt): No account, no payment, and no public compute API. Local MCP on your computer. Draft link-only MCP is not a calculator.