# FinanceFreedom: FIRE Planner — Retirement Calculator & Budget > Retirement Calculator & Budget (iPhone/iPad app by 伯柱 李.) - Source: https://appshunter.io/ios/app/financefreedom-fire-planner/id6762801598 (this page in markdown: same URL + `.md`) - Developer: [伯柱 李](https://appshunter.io/developer/1886300447) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 17.0 · 25 MB - Languages: American English, Arabic, Bangla, Czech, Danish, Dutch, Filipino, Finnish, French (France), German (Germany) and 19 more - Released: 2026-05-07 - Data updated: 2026-09-04 - User reviews in markdown: https://appshunter.io/ios/app/financefreedom-fire-planner/id6762801598/reviews.md ## What is FinanceFreedom? Feeling stuck in the rat race? You need a clear timeline to take back control of your life. FinanceFreedom is more than just a budget tracker; it is your ultimate compass for Financial Independence and Retiring Early (FIRE). We turn the vague goal of "saving money" into a precise countdown: "X Years and X Months until Freedom." By visualizing your wealth growth, FinanceFreedom relieves financial anxiety and keeps you motivated every single day. [Key Features] [Dashboard] FIRE Progress Dashboard Open the app and instantly see your countdown to financial independence. With dynamic progress rings and wealth-building curves, you can literally watch your passive income grow. Every dollar saved is a step closer to your freedom. [Voice] AI Voice Expense Tracking Say goodbye to tedious manual logging. Just tell the app, "Spent $15 on lunch at KFC," and our AI instantly categorizes the amount, date, and expense type. Track your daily spending in under 3 seconds without breaking your workflow. [Bookkeeping] Smart Bookkeeping & Ledger A full-featured ledger built for serious money management. Record income and expenses with custom categories, tags, and notes. Handle multiple accounts, currencies, and recurring transactions, then browse your complete history with powerful filters and search — every entry flows directly into your FIRE countdown. [Shared] Shared Ledgers Across iCloud Accounts Pursue financial freedom together. Invite your partner, family members, or loved ones — even on different iCloud accounts — to a shared ledger. Track household spending side by side, align on a single savings target, and watch one unified FIRE goal grow as a couple or family. Roles and permissions keep things transparent; every contribution counts, every milestone is celebrated together. [Simulator] Dynamic FIRE Simulator What if you save an extra $100 a month? What if your investment returns hit 8%? Use intuitive sliders to adjust your savings rate, ROI, and inflation. Compare different scenarios to find the perfect balance between enjoying today and securing tomorrow. [Reports] Comprehensive Financial Insights Get crystal-clear daily, weekly, and monthly reports. Uncover spending leaks and optimize your savings rate. Every transaction you log automatically feeds into your FIRE countdown, keeping you perfectly on track. [Privacy] Privacy First & Secure No mandatory accounts. Your financial data stays securely on your device or synced via your personal encrypted iCloud. Shared ledgers are end-to-end protected through Apple's CloudKit — your money, your privacy. [Who is FinanceFreedom for?] Anyone feeling burned out and looking to escape the corporate grind. Followers of the FIRE movement building their early retirement strategy. Goal-oriented savers who want to see the power of compound interest in action. People looking for a minimalist, smart, and ad-free (Pro) expense tracker. Stop guessing about your future. Download FinanceFreedom and map out your path to financial freedom today! Privacy Policy: https://arthur-dy-lee.github.io/codearthur-policies/bozhu/en/privacy.html?name=FinanceFreedom Terms of Use: https://arthur-dy-lee.github.io/codearthur-policies/bozhu/en/terms.html?name=FinanceFreedom ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Mothly pro | $4.99 | per month | | Yearly pro | $29.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Lifetime Pro | $79.99 | one-time | ## Version history (last 5 releases) ### 1.10.1 — 2026-09-03 Added category caching for transaction entry, making the record screen open faster and category selection smoother. ### 1.10.0 — 2026-08-23 Introducing Budgets — plan every month, your way. • Two modes: Envelope rollover carries unspent money into future months — continuously, or starting fresh every January — while Monthly Reset gives every month a clean slate at its planned amount. Surpluses and overspending carry over only if you want them to. • Monthly budgets: set a spending limit for any category or your whole month. A clean dual ring shows total spending on the outside and your most-stretched category on the inside, so one overspent category never turns everything red. • Smart suggestions: FinanceFreedom seeds your budget from the last few months of real spending — start with one tap, then fine-tune. • Shared budgets: budget together on a shared ledger, or keep your own private envelope alongside the family's — synced across iCloud accounts. • Overspend alerts & review: get a gentle heads-up before you go over, and see budget vs. actual, top overspends, and your attainment trend in Stats. • Copy forward: reuse last month's or last year's plan in a single tap when a new period begins. ### 1.9.0 — 2026-07-08 Thanks for using FinanceFreedom! This update refines the planning experience. • Smarter parameter sliders: a new response curve makes small amounts easy to fine-tune, the step size adapts as you drag, and you can now tap any value to type it in exactly. • Week start day: added Saturday to the existing options — pick the one that matches your pay cycle. • Extended backtest data: historical backtesting now runs through 2025, with two more years of US stock, 10-year Treasury, and inflation data. • Plus general polish and smoother performance throughout. ### 1.8.0 — 2026-07-01 Our biggest update yet — a complete retirement-planning upgrade. • Monte Carlo simulation: see your plan's success rate across thousands of market scenarios, plus your projected final portfolio value and the age your money lasts to. Pick a risk level and we calibrate expected returns and volatility to match. • Retirement robustness: stress-test your plan against a rough start (Sequence-of-Returns Risk), an early bear market, and a backtest over real historical US stock, bond, and inflation data. • FIRE types: compare Lean, Barista, Coast, Standard, and Fat FIRE side by side, then set your target type right from the Dashboard. • New ledger views: track by Day, Week, or Bi-weekly — perfect for weekly and bi-weekly paychecks — with a configurable week start day. • Smarter search: filter by ledger, sort results, jump to quick time ranges, and match by category name — all inline, without leaving your ledger. • Plus per-ledger annual notes, ready-made sample charts, and faster, smoother performance throughout. • More languages: FinanceFreedom now speaks more languages, for users in more countries and regions. Thanks for using FinanceFreedom! ### 1.7.1 — 2026-06-14 New: FinanceFreedom is now available in German and Italian — fully localized throughout the app. Plus minor fixes and improvements. ## More apps by 伯柱 李 - [SilenceCut - Remove Silence](https://appshunter.io/ios/app/silencecut-remove-silence/id6760957695) - [InnerRelease: Let Go & Calm](https://appshunter.io/ios/app/innerrelease-let-go-and-calm/id6764254109) - [HealthRhythm: Sleep Move Eat](https://appshunter.io/ios/app/healthrhythm-sleep-move-eat/id6764257462) - [VoiceFolio: Voice to Text](https://appshunter.io/ios/app/voicefolio-voice-to-text/id6781288672) All apps by 伯柱 李: https://appshunter.io/developer/1886300447 --- *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 2026-09-04.*