# Baniya - Retire Early — Track your FIRE journey > Personalized financial planning for early retirement. (iPhone/iPad app by Moblize IT LLC.) - Source: https://appshunter.io/ios/app/baniya-retire-early/id6449205603 (this page in markdown: same URL + `.md`) - Developer: [Moblize IT LLC](https://appshunter.io/developer/1390288635) - Category: Finance, Education - Price: Free - Rating: 4.00/5 from 4 App Store ratings · 2 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 43 MB - Languages: English - Released: 2024-02-08 - Data updated: 2026-07-06 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/baniya-retire-early/id6449205603/reviews.md ## What is Baniya? Stop guessing. Start doing. Baniya is the only app that turns your financial data (income, expenses, assets, and debts) into personalized, step-by-step plans to achieve Financial Independence and Retire Early (FIRE). Why Baniya? * No Generic Advice Get hyper-personalized recommendations like “Invest X to close your Y passive income gap” or “Pay off this debt first to save $Z annually.” * FIRE Progress Tracker Watch your passive income grow and your expenses shrink with real-time projections. * Action Plans That Work From optimizing underperforming assets to crushing high-interest debt, Baniya tells you exactly what to do next. Key Features: * F.I.R.E. Tracking Dashboard Analyze your income streams cover your lifestyle—or where you’re falling short. * F.I.R.E. Forecast Calculate your FIRE number and track your progress. Try adjustments to see how it impacts your F.I.R.E. timelines. * Smart Recommendations “Here’s Why”: Understand the financial impact. “Action Plan”: Follow concrete steps (e.g., invest $X in index funds, refinance debt). “FIRE Impact”: See how each action accelerates your retirement date. * Asset & Debt Optimizer Stop losing money to inflation or high interest. Let Baniya identify leaks and fix them. Bank-grade security protects your data. We never share your financial details. ## Key features - Personalized FIRE action plans - Real-time passive income tracking - Expense reduction strategies - Debt and asset optimization - FIRE number calculation - Smart financial recommendations ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/baniya-retire-early/id6449205603/reviews.md ### 1/5 — I Did Not Get Paid 👎 *2026-03-05, version 3.7.7* I was selected by Baniya AI to do a 20 minute Zoom call on Feb 10th, 2026 to review and give my opinion on this Baniya FIRE app. They offered $25 for my time. I completed the Zoom call, gave my honest options, and was never paid. I got the run-around for nearly a month, as today is March 4th, 2026. Do not download this app, and definitely do not give or trust these people with your financial information. They are dishonest and will not stand on their word. Beware. ### 5/5 — This is my go to for finances *2024-10-04, version 2.2.2* This app has helped me put my finances into perspective and tackle them head on, allowing me to grow my income and become much more organized. I highly recommend this to anyone who’s budgeting. ## Frequently asked questions about Baniya ### What is Baniya's FIRE progress tracker? Baniya's FIRE Progress Tracker allows you to monitor your passive income growth and expense reduction with real-time projections. It helps you visualize how your financial actions impact your journey towards Financial Independence and Early Retirement. ### How does Baniya provide personalized advice? Baniya analyzes your specific financial data, including income, expenses, assets, and debts, to offer hyper-personalized recommendations. It suggests concrete actions like investing specific amounts or paying off certain debts to accelerate your FIRE goals. ### What kind of action plans does Baniya offer? Baniya provides action plans that are tailored to your financial situation. These plans can include optimizing underperforming assets, tackling high-interest debt, and investing in specific financial instruments to achieve your retirement timeline. ### How does Baniya help with asset and debt optimization? Baniya identifies financial leaks, such as money lost to inflation or high interest rates on debts. It then provides actionable steps to fix these issues, helping you to stop losing money and improve your overall financial health. ### What is Baniya's FIRE number calculation? Baniya helps you calculate your personal FIRE number, which is the amount of money you need to be financially independent. You can then track your progress towards this number and simulate how different financial adjustments can impact your retirement timeline. ### Is Baniya secure for my financial data? Yes, Baniya uses bank-grade security to protect your data. The app states that it never shares your financial details with third parties, prioritizing user privacy and data protection. ### What devices does Baniya support? Baniya is available on iPhone and iPod devices. The app is designed for Apple's mobile ecosystem. ### When was Baniya last updated? Baniya was last updated on March 28, 2026, with version 3.8.0. This indicates recent development and potential for ongoing improvements and feature additions. ## Version history (last 5 releases) ### 4.4.2 — 2026-06-26 Fixed push notifications ### 4.2.6 — 2026-04-08 improved UX ### 3.8.0 — 2026-03-28 asking users to update when there is a critical update available ### 3.7.9 — 2026-03-23 improved real estate capture ### 3.7.8 — 2026-03-06 improvd baniya ai ## Apps similar to Baniya | App | Rating | Price | Category | | --- | --- | --- | --- | | [Zerodha Kite - Trade & Invest](https://appshunter.io/ios/app/zerodha-kite-trade-and-invest/id1449453802) | 4.6 (187) | Free | Finance | | [Robinhood Banking](https://appshunter.io/ios/app/robinhood-banking/id6462308655) | 4.9 (52,566) | Free | Finance | | [Blossom: Social Investing](https://appshunter.io/ios/app/blossom-social-investing/id1592237485) | 4.7 (2,757) | Free | Finance | | [Aven Advisor: Credit Check App](https://appshunter.io/ios/app/aven-advisor-credit-check-app/id1597186683) | 4.6 (3,769) | Free | Finance | | [Upstox: Demat, Stock, MF, IPO](https://appshunter.io/ios/app/upstox-demat-stock-mf-ipo/id1584953620) | 4.2 (217) | Free | Finance | | [FFCalc - Retirement Calculator](https://appshunter.io/ios/app/ffcalc-retirement-calculator/id1473492772) | 4.5 (365) | Free | Finance | ## More apps by Moblize IT LLC - [Doodles Cakes and Bakes](https://appshunter.io/ios/app/doodles-cakes-and-bakes/id1356687478) - [Social Tags](https://appshunter.io/ios/app/social-tags/id1415475253) - [Shreya Ghoshal Fans](https://appshunter.io/ios/app/shreya-ghoshal-fans/id1443993649) - [ScanBuddy.ai](https://appshunter.io/ios/app/scanbuddyai/id1458125055) - [The Entropy Chess](https://appshunter.io/ios/app/the-entropy-chess/id1552319909) - [Chiya](https://appshunter.io/ios/app/chiya/id1605481509) All apps by Moblize IT LLC: https://appshunter.io/developer/1390288635 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-06.*