# Jayu: FIRE Strategy — The serious FIRE planner's app

> Advanced FIRE planning with Monte Carlo simulations, tax optimization, and AI advice. (iPhone/iPad app by Wuju Labs LLC.)

- Source: https://appshunter.io/ios/app/jayu-fire-strategy/id6763947354 (this page in markdown: same URL + `.md`)
- Developer: [Wuju Labs LLC](https://appshunter.io/developer/1894338753)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 3.80/5 from 4 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 54 MB
- Languages: American English
- Released: 2026-05-20
- Data updated: 2026-09-04
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/jayu-fire-strategy/id6763947354/reviews.md

## What is Jayu?

Jayu is the FIRE planning app for people who take financial independence seriously.

If you've outgrown spreadsheets and generic retirement calculators, Jayu gives you the depth you need to plan FIRE properly — with personalized projections, advanced tax strategies, and an AI advisor that actually knows your numbers.

PLAN WITH MONTE CARLO PRECISION
See your FIRE outcome across 10,000 simulated market futures, not just one optimistic line. Compare Standard FIRE, Lean FIRE, Fat FIRE, Coast FI, and Barista FI side-by-side.

OPTIMIZE YOUR TAXES
Jayu surfaces 12 advanced strategies tailored to your situation: Backdoor Roth, Mega-Backdoor Roth, HSA optimization, Roth Conversion Ladder, SEPP/72(t), Tax Gain Harvesting in the 0% LTCG bracket, asset location, and more. Each strategy includes estimated annual impact and step-by-step execution guidance.

KNOW WHERE EVERY DOLLAR GOES
The Funding Waterfall shows you exactly where to put your next dollar — emergency fund first, employer match capture, HSA, Roth IRA, 401(k), and beyond. No more guessing.

GEOGRAPHIC ARBITRAGE
Compare your FIRE timeline across 159+ destinations worldwide. Cost of living, tax treatment, healthcare, and visa difficulty all factored in. See how moving could change your timeline.

RUN UNLIMITED SCENARIOS
What if you saved $500 more? What if you took the new job? What if you bought a house? Compare any decision side-by-side and see the actual impact on your FIRE date.

YOUR PERSONAL FIRE ADVISOR
Ask anything about your plan — tax strategy, withdrawal sequencing, when to convert. The AI advisor has full memory of your financial picture and answers in context.

TRACK PROGRESS THAT MATTERS
Monthly net worth check-ins, quarterly progress reports, milestone tracking from Coast FI through Fat FIRE. Watch yourself get closer to financial independence, every month.

PRIVATE BY DESIGN
Your financial data stays on your device. No bank linking required. No third-party analytics. No data sold or shared.

BUILT FOR THE SERIOUS FIRE COMMUNITY
Jayu is designed for analytical planners who care about getting the math right. Not a budgeting app. Not a generic retirement calculator. A real FIRE planning tool.

TRY PRO FREE FOR 7 DAYS
Pro Annual: $69.99/year ($5.83/mo)
Pro Monthly: $9.99/month
Free tier available with limited features. Cancel anytime in the App Store.

Made by Wuju Labs. Educational planning tool, not financial advice. Consult a qualified professional for personalized guidance.

Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. You can manage your subscription and turn off auto-renewal in your App Store account settings. 
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ —
Privacy Policy: https://wujulabs.com/jayu/privacy

## Key features

- 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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Jayu Pro | $5.99 | per month |
| Jayu Pro | $35.99 | per year |


## Chart rankings

- #155 in Top Grossing · Finance (US App Store)

## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/jayu-fire-strategy/id6763947354/reviews.md

### 1/5 — Waste of TIme!

*2026-08-02*

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.

### 4/5 — Wish there is more than 401k

*2026-06-27*

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

### 5/5 — Good fire app

*2026-06-26*

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

## Frequently asked questions about Jayu

### 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.

## Version history (last 5 releases)

### 1.10 — 2026-07-30

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

### 1.09 — 2026-06-22

Bug fixes and design improvements.

### 1.04 — 2026-06-10

Bug fixes and stability improvements.

### 1.01 — 2026-05-25

Plan your path to Financial Independence and Retire Early (FIRE). Personalized timelines, tax-optimized strategies, scenario comparisons, and an AI Advisor — all in a private, on-device experience. Try Pro free for 7 days.

### 1.0 — 2026-05-20

No release notes.

## More apps by Wuju Labs LLC

- [Hanul](https://appshunter.io/ios/app/hanul/id6762487683)

All apps by Wuju Labs LLC: https://appshunter.io/developer/1894338753

## Related topics

[durablevi](https://appshunter.io/ios/topics/durablevi) · [fiduciary decisions](https://appshunter.io/ios/topics/fiduciary-decisions)

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*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.*