Six pieces that make this feel like a real plan
Most retirement calculators ask three questions and spit out a graph. Calcifir models your actual life — partner, accounts, taxes, dates, and all.
Built for the way you actually plan
Calcifir isn't a calculator with a spouse field bolted on. The household is the unit.
Household-first
Plan with a partner from day one. Two ages, two careers, two account stacks, two Social Security claims — all stitched together with joint-life math.
Monthly precision
Retire in March, not just "age 55." Claim Social Security the month you turn 70. Pay off the mortgage on the exact date you set.
Walk through your future
Drag a timeline scrubber from today to age 90. Press play and watch your plan unfold year by year. Every chart updates live.
Stress-test everything
Historical backtest, Monte Carlo, Bengen, Trinity — pick your risk model. See your chance of success at the strategy you're actually following.
Modular by design
Accounts, real estate, debts, income, expenses, money flow — each lives in its own focused module. Edit one thing at a time.
Show our work
Every formula cites its source: Bengen 1994, Trinity 1998, Shiller, SSA. We don't ask you to trust us. We show our work.
Five minutes to your first plan
Sign up, answer the quiz, see your overview. From there it's yours to refine — for the next 50 years.
Build your plan