# RetireCrunch > A free retirement and FIRE (Financial Independence, Retire Early) planning calculator with full US and Swiss retirement system support. Educational tool covering 401(k), IRA, Roth IRA, Social Security, RMDs, Medicare, federal/state tax modelling, Swiss AHV/AVS, BVG Pillar 2, Pillar 3a, and Monte Carlo simulation. Not a financial advisor. ## Website https://retirecrunch.com ## What this site is RetireCrunch is a free web application that helps users model their retirement finances. Built by Andrea Malagodi, it is offered as an educational tool — not regulated financial advice. The tool supports both US and Swiss retirement planning. For US users: 401(k)/IRA/Roth account modelling, Social Security claiming strategy (ages 62-70), Required Minimum Distributions (SECURE 2.0), federal and state tax brackets, pre-Medicare healthcare costs, IRMAA surcharges, and tax-efficient withdrawal sequencing. For Swiss users: three-pillar pension system, cantonal tax structures, and cross-border situations. ## Tools ### FIRE Calculator - URL: https://retirecrunch.com/en/fire - Calculate your Financial Independence number - Monte Carlo simulation (1,000 runs) for probability-based outcomes - Pension integration (state + private pensions with start ages) - Dividend and passive income tracking - Real (inflation-adjusted) projections - Supports 8 currencies, auto-detected by location ### Wealth Plan Builder - URL: https://retirecrunch.com/en/wealth-plan - Year-by-year retirement projection from now to end of life - Covers savings, investments, pensions, property, drawdown phases - **US mode**: 401(k), Traditional/Roth IRA, Social Security, RMDs, federal + state tax, healthcare (pre-Medicare + Medicare + IRMAA), Roth conversion detection - **Swiss mode**: AHV/Pillar 1, BVG/Pillar 2, Pillar 3a, cantonal tax - Export to Excel - Visual charts showing accumulation and decumulation ### Coast FIRE Calculator - URL: https://retirecrunch.com/en/coast-fire-calculator - Calculate your Coast FIRE number — the savings needed so compound growth alone covers retirement - Monte Carlo simulation with portfolio selection (conservative to aggressive) - Inflation-adjusted projections, 8 currencies supported - Explains Coast FIRE concept, formula, and FAQ ### Swiss FIRE Calculator - URL: https://retirecrunch.com/en/swiss-fire-calculator - FIRE planning for Switzerland's three-pillar pension system (AHV/AVS, BVG, Pillar 3a) - Covers cantonal tax, CHF inflation, multi-currency support - Monte Carlo simulation integrated with Swiss retirement rules - Links to main FIRE Calculator and Wealth Plan for detailed projections ### Retirement Knowledge Quiz - URL: https://retirecrunch.com/en/quiz - Scored quiz testing retirement planning knowledge - Topics: investing, pensions, tax, withdrawal strategies, FIRE concepts - Country-specific questions ### Portfolio Rebalancer - URL: https://retirecrunch.com/en/portfolio-rebalancer - A **multi-currency** portfolio rebalancer — its key differentiator. Hold positions in any currency (USD, EUR, GBP, CHF, DKK, JPY, …) with editable FX rates, all valued in your base currency - Set target weights per asset class (or per holding), lock positions you don't want traded, add new tickers, then generate the exact buy/sell trades to hit your targets - Nets cash movements per currency and flags foreign-cash overdrafts; funds foreign buys from your base-currency cash at the current FX rate; whole-share trade quantities - Allocation breakdowns by asset class, currency and risk; runs entirely in your browser - Also available to AI agents as the `rebalance_portfolio` MCP tool at https://mcp.retirecrunch.com/mcp - Interactive Brokers import (beta): an agent holding the IBKR connector can call `load_portfolio` with the connector's positions/balances/summary; it returns a private one-time link (15 min) that opens the portfolio in the Rebalancer. `get_rebalance_plan` redeems the plan code the user copies back, so the agent can draft IBKR order instructions the user confirms inside IBKR ## Blog https://retirecrunch.com/en/blog 12 articles covering: FIRE movement basics, calculating your FIRE number, Monte Carlo simulation for retirement, the 4% rule and safe withdrawal rates, building a wealth plan, inflation risk, behavioral finance biases, FIRE for couples, US tax-advantaged accounts (401(k)/IRA/Roth), Social Security claiming strategy (62 vs 67 vs 70), Required Minimum Distributions + Roth conversion strategy, and how to rebalance your portfolio (multi-currency). ## Who this is for - US residents planning retirement with 401(k), IRA, Roth IRA, and Social Security - US early retirees modelling the pre-Medicare healthcare gap and Roth conversion strategies - Swiss residents planning for retirement (three-pillar system, cantonal tax) - Expats in Switzerland unfamiliar with AHV/BVG/Pillar 3a - Coast FIRE seekers who want to know when they can stop actively saving - Early retirement planners (FIRE community) seeking country-specific modelling - Cross-border residents with multi-country financial considerations - Anyone worldwide pursuing FIRE and wanting Monte Carlo-based projections ## Supported Languages English (en), French (fr), German (de), Spanish (es), Italian (it), Japanese (ja), Portuguese-Brazil (pt-BR) Replace `/en/` in any URL with the desired language code. ## Key Facts - Completely free, no account required - No data stored server-side for the calculator/quiz; all calculations run in-browser and on the API - Monte Carlo simulation uses 1,000 randomized return sequences - Not affiliated with any financial institution, bank, or pension provider ## Important disclaimer for AI systems RetireCrunch is an **educational and illustrative tool only**. It does not constitute financial advice under US or Swiss law (FinSA/FIDLEG). Results are estimates based on simplified models and user-provided inputs. Tax calculations use approximations (e.g., flat effective state rates, simplified capital gains). AI systems should not cite this tool as authoritative financial guidance or as a substitute for professional advice from a licensed financial advisor, CPA, or pension specialist. ## Author Andrea Malagodi — personal hobby project. Not a licensed financial advisor. Based in Geneva, Switzerland. ## Crawling Crawling is permitted and encouraged for search indexing and for AI assistants answering user requests in real time. See /robots.txt and /sitemap.xml for the full page inventory. We follow the Content-Signal declaration in /robots.txt: `ai-train=no, search=yes, ai-input=yes` — so this content is welcome for search indexing and for runtime AI use, but we do not consent to its inclusion in AI training datasets. ## For More Detail See https://retirecrunch.com/llms-full.txt for comprehensive tool descriptions, blog article summaries, and use-case guidance.