I have been using retirecalc an app on my ipad. I punched my numbers into firecalc and found it to be too optimistic for my comfort. I suppose that is because I was not able to adjust expenses over time or add in recurring income that will end at a certain date etc...
I also don't budget at all
so I am estimating annual expenses. I tried to make it high though.
Is there a downloadable version of firecalc? Or am I missing the "enter the details" part on the website? I did go thru the tabs at the top. I did not see downsize house, inherit, adjust expenses etc.