The only FIRE planning platform that tests your strategy against 155 years of real market history.
The honest truth
They use average returns — a single smooth line that never existed in real life. Real markets don't move in averages. They crash in 1929, stagnate through the 70s, boom in the 90s, and panic in 2008.
We test your strategy against every historical market crash, bull run and crisis from 1871 to today. If your plan would have survived the worst the market has thrown at investors over 155 years, you can sleep at night.
What's inside
Same datasets that power peer-reviewed retirement research — packaged into a planner you can actually run in 60 seconds.
Robert Shiller's monthly S&P series since 1871, paired with Ken French's full factor library. Real returns, real inflation, real dividends.
Test SMB, HML, Momentum, Quality, Profitability, and Investment factor tilts. See which strategy actually shortens your FIRE date.
Every projection is inflation-adjusted. Your £1m in 2050 is shown in today's money — so you know what your retirement actually buys.
How it works
Income, savings rate, current portfolio, and target lifestyle. Two minutes, no signup required to play.
Run your plan through every historical sequence since 1871. Toggle factors, withdrawal rates, fees and tax wrappers.
Get a clear answer: the year you can retire with 95%+ historical survival — and what to change if you want it sooner.
Pricing
Built for serious FIRE planners. Cancel any time, your simulations stay yours.
First 10 users get £10 / $10 paid via PayPal and full premium access free, in exchange for using the product and giving us honest feedback.
Get a feel for FIRE planning with the core calculator.
No credit card required
Everything in Free, plus the tools serious investors need.