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Jayu: FIRE Strategy

Jayu: FIRE Strategy

The serious FIRE planner's app

4 ratings
3 reviews
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • May 20, 2026
  • July 30, 2026

Developer

Wuju Labs LLC
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About

This app offers advanced financial independence, retire early (FIRE) planning with personalized projections, Monte Carlo simulations, and AI-driven tax optimization strategies. It helps users understand their financial future, optimize savings, and track progress towards their goals.

✓Monte Carlo simulations for FIRE outcomes
✓Advanced tax optimization strategies
✓Personalized funding waterfall
✓Geographic arbitrage planning
✓Unlimited scenario testing
✓AI financial advisor
✓Progress tracking and milestone alerts
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What's New in Jayu

1.10

July 30, 2026

1. Added daily increase/decrease for FI Number 2. Added SEP IRA 3. Added Pension and Social Security 4. Bug fixes

More

Subscription plans

Jayu Pro

Strategies, tax optimization, and unlimited AI advice

$5.991 Month
7 Days trial
How to cancel Jayu subscription ⁉️

User reviews

Most RecentHighest RatedLowest Rated

Waste of TIme!

This app presents as free but really doesn’t offer any features for free at all. It asks for all of your personal info just to force you to pay for a subscription. The developers should make a free tier to let people test out the app first or just make the paywall upfront from the jump.
Thisappwastedmytimelol321Thisappwastedmytimelol321

Wish there is more than 401k

I have Sep IRA, but it does not have it. So it is not calculate my numbers correctly.
Nova581Nova581

Good fire app

I use spreadsheet to record my fire progress before this app. Really like it. Concise page is a plus( I hate those stuffed ones!!!)
AI advisor is awesome. I’m using the free trial. Consider pay for the pro after 7 days
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FAQ

What is Jayu's core function?

Jayu is designed for serious FIRE planning, offering advanced features like Monte Carlo simulations for financial outcomes, personalized tax strategies, and an AI advisor. It goes beyond basic budgeting to provide in-depth analysis for achieving financial independence.

How does Jayu handle taxes?

Jayu identifies and explains 12 advanced tax strategies tailored to your situation, such as Backdoor Roth, Mega-Backdoor Roth, and HSA optimization. Each strategy includes an estimated annual impact and guidance on execution.

Can Jayu simulate different financial futures?

Yes, Jayu uses Monte Carlo simulations to project your FIRE outcome across 10,000 market futures, providing a more robust understanding than single-line projections. You can compare various FIRE types like Standard, Lean, and Fat FIRE.

Does Jayu require linking bank accounts?

No, Jayu is private by design and does not require bank linking. Your financial data stays on your device, ensuring enhanced privacy and security without third-party analytics or data sharing.

What are the subscription options for Jayu Pro?

Jayu Pro offers two subscription plans: $9.99 per month or $69.99 per year. The annual plan includes a 7-day free trial, and subscriptions auto-renew unless cancelled at least 24 hours before the current period ends.

How often is Jayu updated?

The latest version of Jayu is 1.09, last updated on June 22, 2026. While specific update frequency isn't detailed, this indicates ongoing development and maintenance.

Is Jayu available on multiple devices?

Jayu is currently supported on iPhone and iPod devices. The app is designed for iOS users looking for advanced financial planning tools.

Does Jayu have ads?

No, Jayu does not contain advertisements. The app is focused on providing an uninterrupted and serious financial planning experience for its users.