# FiScry: Financial Simulator — FIRE Calculator > Financial simulator using historical market data for retirement and FIRE planning. (iPhone/iPad app by Disparate Elements LLC.) - Source: https://appshunter.io/ios/app/fiscry-financial-simulator/id1631754118 (this page in markdown: same URL + `.md`) - Developer: [Disparate Elements LLC](https://appshunter.io/developer/1617831650) - Category: Finance, Education - Price: Free with in-app purchases - Rating: 5.00/5 from 18 App Store ratings · 11 written reviews indexed - Age rating: 4+ - Requires: iOS 16.1 · 26 MB - Languages: English - Released: 2023-05-31 - Data updated: 2026-06-10 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/fiscry-financial-simulator/id1631754118/reviews.md ## What is FiScry? Do you have enough money to retire when you want to? Could you retire early? Do you understand how much you will be able to spend in retirement based on how much you are saving today? Are you pursuing financial independence, or even "financial independence / retire early (FIRE)?" FiScry can help. ► What FiScry does FiScry helps you describe your financial plan and then will “play back” historical market sequences. These market sequences are made of real historical monthly-resolution stock growth, dividends, bond rates, and inflation data. After simulating your saving and spending plans many times, FiScry shows a “percent succeeded” metric that is the percent of simulations where your plan never ran out of money. This allows you to look at not just best case scenarios, but also the worst case scenarios seen so far. Would your plan have weathered those bleak years? ► Build your scenario FiScry helps you build a scenario that describes your plans. Your plan can be as simple or detailed as you like, and we provide examples at both ends of the spectrum. ► Compare scenarios Create multiple scenarios and compare them to each other. For example, what if you were to pay off your mortgage sooner, leaving less money to invest in the market in the meantime? How impactful is that, really? ► Sensitivity analysis FiScry helps you understand how making different choices could affect your plan with Sensitivity Analysis. This lets you explore what would happen in a range of values. For example, you can see what happens if you were to retire at all ages between 55 and 75. ► Change asset allocations over time FiScry lets you model what would happen as you change your asset allocation (the percent of your portfolio that is equities). How does increasing the percent of bonds as you approach retirement change the chance of success? What is the impact of a bond tent? ► How FiScry works Unlike most other tools, FiScry models your financial scenarios using monthly-resolution market history data. This better captures the true market volatility you will experience as your plans unfold. For every month of market data, we start a simulation series that lasts for as long as the longest time horizon for any person in your plan. For example, if we are simulating a 30-year period using market data from 1925-2022, we perform 1,164 360-month simulations, using market data starting in each of 1,164 months. Learn more about the methodology at FiScry.com, or within the in-app help. ► We care about your privacy FiScry does not ask you to create a user account. Your data stays on your device. No personal data is collected. ► Context, not financial advice FiScry is an educational tool that tells you how your plan would have performed in past markets. We are not financial advisors and FiScry does not provide financial advice. What FiScry provides is context. For example: 1) Perhaps your plan only ran out of money in the worst 5% of all starting months of the last 120 years. Or 2) perhaps your plan will only succeed if the next 50 years outperform all previous historical market trajectories. The future will be different from the past, but FiScry helps you put your plan in context. ► FiScry has a full-featured free tier, and a premium tier (FiScry+) Included in FiScry's free tier: • FiScry does not ask you to create a user account • Your data stays on your Apple devices, with iCloud cross-device sync (iPad version coming soon) • Create plans that are as simple or granular as you like • Monthly-resolution market data • Link multiple income and spending events to the same milestone FiScry+ includes all features in the free tier, plus: • Create unlimited scenarios • Compare scenarios • Create models that change equity allocations over time • Create sensitivity analyses Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Simulate financial plans with historical market data - Calculate success rate for retirement and FIRE goals - Build and compare multiple financial scenarios - Perform sensitivity analysis on plan variables - Model changing asset allocations over time - Utilize monthly-resolution market data for accuracy ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | FiScry+ (Annual Subscription) | $24.99 | per year | | FiScry+ (Monthly Subscription) | $5.99 | per month | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | FiScry+ (Lifetime Unlock) | $59.99 | one-time | | FiScry+ (Lifetime Unlock) | $19.99 | one-time | | FiScry+ (Lifetime Unlock) | $9.99 | one-time | | Snack-sized tip | $5.00 | one-time | | Lunch-sized tip | $15.00 | one-time | | Dinner-sized tip | $30.00 | one-time | | High-roller tip | $100.00 | one-time | | Soda-sized tip | $1.00 | one-time | ## Recent user reviews (10 of 11) All indexed reviews: https://appshunter.io/ios/app/fiscry-financial-simulator/id1631754118/reviews.md ### 5/5 — Very nice tool *2025-07-22* Very helpful tool that seems to work well for what it does. Way more options vs other free options. Would like to see some improvements to how you navigate. No SS option- but you can added. Same for rental income- can add it. Would be nice if it was something you could select. For what it is works great. With more improvements and updates I could see it get even better! ### 5/5 — Been great *2025-02-05* Love to try differenct scenarios ### 5/5 — Genuinely powerful modeling tool *2025-01-04* I don’t often leave reviews, but this app deserves all five stars. It’s the most powerful app-based financial modeler I’ve seen on the App Store. It allows you to create and modify scenarios with a ton of precision and gives details on each year of your model. If there were any feature requests I’d have, it would be to allow for input of your expected returns, as opposed to the current system of combining averaged returns of bonds and equities. ### 5/5 — Great Tool *2024-06-16* This tool works a lot like the online FireCalc in that it focuses on back testing scenarios instead of assuming fixed future growth patterns. While I do feel the UI had a small learning curve, I think that the included examples help overcome that. Once you’re past that you can leverage the powerful tools like Sensitivity Analysis which help guide future moves such as “if I take a lesser paying job sometime in the next decade, what is the lowest salary I can accept?”. ### 5/5 — Excellent App *2024-04-19* Great retirement planner that provides flexibility to model life events using historical performance data. Five out of five stars!! ### 5/5 — Great for modeling in bed *2024-03-15* I used to manually open spreadsheets or random websites to run basic simulations. They weren’t even close to as rigorous as this. Gives me a better sense of realistic goals I should hit over the next 5-10 years to retire early ### 5/5 — Excellent App *2024-03-07* Great retirement planner that provides flexibility to model life events using historical performance data. Five out of five stars!! ### 5/5 — Just loaded app *2024-02-28* Looks promising. Will keep updating. ### 5/5 — Great for modeling in bed *2024-02-18* I used to manually open spreadsheets or random websites to run basic simulations. They weren’t even close to as rigorous as this. Gives me a better sense of realistic goals I should hit over the next 5-10 years to retire early ### 5/5 — Simple but powerful long term financial planning *2024-01-20* Great way to run real life scenarios of how to invest over time with income streams, life events, increases in expenses, etc. Helped me a lot figuring out portfolio split scenarios in good times / bad times and how my portfolio would react. ## Frequently asked questions about FiScry ### What is FiScry? FiScry is a financial simulator that uses historical market data to model the success rate of your savings and spending plans. It helps you understand how your financial strategy might perform under various historical market conditions, providing context for your retirement or FIRE goals. ### How does FiScry use historical market data? FiScry simulates your financial plan by playing back real historical monthly stock growth, dividend, bond rate, and inflation data. It runs thousands of simulations based on different starting points in market history to determine a 'percent succeeded' metric. ### Can I compare different financial strategies with FiScry? Yes, FiScry allows you to create and compare multiple scenarios. You can explore the impact of different choices, such as paying off a mortgage sooner versus investing more, to see how they affect your plan's success rate. ### Does FiScry provide financial advice? No, FiScry is an educational tool designed to provide context on how your plan would have performed in past markets. It does not offer financial advice, and users are encouraged to consult with a financial advisor for personalized guidance. ### Is my financial data private with FiScry? Yes, FiScry prioritizes user privacy. It does not require you to create an account, and all your data stays on your device. No personal data is collected by the app. ### What are the subscription options for FiScry? FiScry offers a premium subscription called FiScry+. This subscription is available as a monthly plan for $5.99 or an annual plan for $24.99, providing access to additional features or enhanced capabilities. ### What devices is FiScry available on? FiScry is available on iPhone and iPad devices, making it accessible for users on the Apple ecosystem. ### How often is FiScry updated? The latest version of FiScry is 1.5.0, and it was last updated on May 27, 2025. This indicates a commitment to ongoing development and improvements. ## Version history (last 5 releases) ### 1.5.0 — 2025-05-27 Updated monthly-resolution market history data to include through the end of 2024. ### 1.4.0 — 2024-04-28 Updated monthly-resolution market history data to include through the end of 2023. ### 1.3.1 — 2024-02-08 Updates for iOS 17.3 ### 1.3.0 — 2024-01-30 All features are now unlocked for free! If you like what we are doing please consider leaving a review. ### 1.2.1 — 2024-01-23 Updates for iOS 17 ## More apps by Disparate Elements LLC - [License Plates of Legend](https://appshunter.io/ios/app/license-plates-of-legend/id1617831648) - [Rain Tally: Virtual Rain Gauge](https://appshunter.io/ios/app/rain-tally-virtual-rain-gauge/id6462464149) - [Road Trip Game: Cruise n Crush](https://appshunter.io/ios/app/road-trip-game-cruise-n-crush/id6745261855) - [Contacts Magic](https://appshunter.io/ios/app/contacts-magic/id6758455955) All apps by Disparate Elements LLC: https://appshunter.io/developer/1617831650 --- *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 2026-06-10.*