Disclaimer and privacy

This is not financial advice

Nobody here is a financial adviser, and none of these tools give advice. They report what a set of assumptions implies. Choosing the assumptions, and deciding what to do about the result, stays with you.

The calculators are built for education and exploration. The useful move is to change one input and watch what moves with it, because how sensitive a plan is to a single number tells you more than any one result does.

Every projection here is a model rather than a prediction. Each one holds rates steady across decades in a way no real market does, so what comes out is one arithmetic path, not a forecast of how things will actually go.

Real outcomes also depend on things none of these tools model: the tax rules where you live, platform and fund fees, losing a job or stopping work earlier than planned, health costs, and changes to pension or benefit rules. A result here is a starting point for your own thinking, and anything that matters is worth taking to someone who knows your full situation.

The data behind each calculator, the formula it runs, the value every input starts on and the known limits of each are set out on the methodology page.

Your numbers stay in your browser

It runs in your browser. No account, no sign-up, nothing to install. Every page here is built ahead of time and served as a static file, and there is no FireMe server behind the calculators and no API route for them to call. The arithmetic happens in your browser tab, which is why the figures you type are never transmitted anywhere.

That leaves three places your numbers can go, all of them yours:

• Saving a plan writes your inputs to this browser’s local storage, on your own machine. Clearing your browsing data deletes them, and a private window forgets them when it closes. Nothing outside this browser can read them.
• Sharing a plan packs your inputs into the part of the address after the #. Browsers never send that part to a server, so FireMe never receives it. The link itself still contains your numbers, though: anyone you send it to can read them, and so can whatever you send it through. Treat it like any other private message and send it only where you would send the figures themselves.
• Exporting results from the simulator saves a spreadsheet file to your own device, the same way any other download works.

What is measured

The site counts page views. Standard third-party web analytics, Google Analytics, loads in production and records which pages get visited, which is how the author can see which tools people find useful.

Nothing you type is wired to it: no input, no result and no calculator action is sent as an event, and there is no FireMe server for any of it to reach.

Pressing the share button writes your encoded plan into the address bar, and the address the site reports is pinned to the page alone: the part carrying your numbers is cut off before it is sent.