# Kelo - FIRE Retirement Planner — Monte Carlo, Private, Offline > Monte Carlo, Private, Offline (iPhone/iPad app by Gurinder Singh.) - Source: https://appshunter.io/ios/app/kelo-fire-retirement-planner/id6762631658 (this page in markdown: same URL + `.md`) - Developer: [Gurinder Singh](https://appshunter.io/developer/1802916889) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 26.0 · 6 MB - Languages: American English - Released: 2026-05-05 - Data updated: 2026-07-18 - User reviews in markdown: https://appshunter.io/ios/app/kelo-fire-retirement-planner/id6762631658/reviews.md ## What is Kelo? Kelo is a privacy-first FIRE retirement planner that runs 100,000 Monte Carlo simulations on your iPhone — no signup, no bank logins, no tracking. Most retirement calculators use a single assumed rate of return and call it a day. Bank-connected trackers want your login credentials and sell your data. Neither helps you stress-test early retirement against the real history of markets. Kelo is different. Every simulation runs on 98 years of historical US market data (1928 to present) using the same block-bootstrap method researchers use for retirement research. Nothing leaves your device. WHAT YOU GET • Rich, Broke or Dead? — actuarial survival overlay shows the 3-way split (funded, broke, deceased) for every future year, so you see if your money will outlast you — powered by SSA Period Life Tables (Free) • 100,000 Monte Carlo runs on your iPhone • Full FIRE, Barista FIRE, and Coast FIRE modes • Three withdrawal strategies: Constant Dollar, Guyton-Klinger guardrails, and Floor / Ceiling • Social Security claim-age modeling at 62, 67, and 70 — with COLA and NPV delta • ACA MAGI cliff visualization with premium estimates and subsidy waterfall • Side-by-side scenario comparison (Pro) • PDF scenario export (Pro) • Home-screen widget showing your FIRE progress ring • Optional encrypted iCloud sync — off by default • Compare to History — run your plan against 1966, 2000, or 2008 cohort returns to stress-test SORR (Free) WILL YOUR MONEY OUTLAST YOU? For most FIRE planners, a long, well-funded retirement is far more likely than running short — the antidote to one-more-year anxiety. Rich, Broke or Dead overlays SSA actuarial life tables to split each year into alive & funded, alive & broke, and deceased. Free. Based on public actuarial data, not a personal health prediction. WHAT IF YOU RETIRED IN 2000? 1966 and 2000 are the FIRE community's worst-case SORR benchmarks — stagflation and the dot-com+GFC sequence. Compare to History overlays your exact plan on those returns. One verdict line on your Monte Carlo fan: green if the cohort survived your horizon, red if it depleted. No fabricated returns. Free. HOW IT WORKS 1. Enter your portfolio, savings rate, and target spending 2. Pick a FIRE mode and stock / bond allocation 3. Run the simulation — see your success rate, median trajectory, and percentile fan chart 4. Save scenarios, compare them, and tune until you're confident PRICING & SUBSCRIPTION TERMS Kelo is free to download and use. A Pro subscription unlocks the full toolkit: • $6.99 / month or $49.99 / year • 1-month free trial • Up to 5 saved scenarios, Barista & Coast FIRE, Guyton-Klinger, Floor / Ceiling, 50- and 60-year horizons, full percentile bands, NPV delta, full ACA subsidy waterfall, scenario comparison, PDF export, and widget quick-update Payment charges to your Apple ID. Subscription auto-renews unless cancelled at least 24 hours before the period ends. Manage or cancel anytime in Settings. By subscribing, you agree to Apple's standard Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ PRIVACY, BY DESIGN • No analytics. No telemetry. No third-party SDKs. • No bank connections. No account required. • No network calls from the simulation engine. • Optional iCloud sync uses Apple's end-to-end encrypted CloudKit private database — your data, your Apple ID, nobody else's. LEGAL Privacy Policy: https://www.kelofireplanner.com/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Additional Terms: https://www.kelofireplanner.com/terms DISCLAIMER Kelo provides educational projections based on historical data. Past performance does not guarantee future results. This is not financial advice. Kelo is not a registered investment advisor, broker-dealer, or tax professional. Consult a qualified financial advisor for personalized guidance. Plan your freedom privately. Download Kelo and run your first simulation in under a minute. ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Kelo Pro Monthly | $6.99 | per month | | Kelo Pro Annual – Save 40% | $49.99 | per year | ## Version history (last 4 releases) ### 1.2.1 — 2026-07-13 Export your numbers — and sharper Coast FIRE math. v1.2.1 adds free CSV export: tap the share icon on any results screen to export your full year-by-year projection table — balances, withdrawals, and percentiles for every year of your plan. Open it in Numbers, Excel, or Google Sheets and dig in. No Pro required. This release also fixes Coast FIRE simulations. Running a Monte Carlo in Coast mode now models your growth years — your portfolio compounds from today until your target retirement age before any withdrawals begin — instead of assuming you retire today. Coast plans that are on track now read as on track. Social Security timing in Coast mode is corrected to match. Also in v1.2.1: • The results screen opens on your median projection by default • A quiet, one-tap way to rate Kelo after a successful run — never a nag As always: no bank logins, no signup, no tracking. Your data stays on your device. ### 1.2.0 — 2026-05-31 What if you retired in 2000? v1.2 adds Compare to History — a free feature that overlays your exact plan against three named historical cohorts: 1966 (stagflation worst-case), 2000 (dot-com collapse → GFC), and 2008 (GFC anchor). Every year on r/financialindependence, someone publishes the running tally for retirees who started in 2000. The FIRE community hand-rolls this analysis in spreadsheets — Kelo now does it for your specific plan, with your portfolio, your spending, and your Social Security and ACA modeling intact. How it works: pick a cohort from the results screen. Kelo runs your plan against that cohort's contiguous SBBI return sequence (1928–2025 data, no resampling, no fabricated returns). The result overlays as a single line on your existing Monte Carlo fan chart — green if the cohort survived your horizon, red if it depleted, amber if history runs out before your horizon ends. The verdict is always labeled: "Survived all 40 years" or "Depleted at year 28 (age 93)." Fully accessible to VoiceOver. This is a free disclosure feature for all users — no paywall, no trial required. Also in v1.2: • 1966 (stagflation), 2000 (dot-com+GFC), and 2008 (GFC) cohorts available at launch • The cohort line is a second series on the fan chart, independently navigable by VoiceOver • Truncated verdict (amber) shown when the cohort's historical data ends before your horizon — Kelo never fabricates returns As always: no bank logins, no signup, no tracking. Your data stays on your device. ### 1.1.0 — 2026-05-24 Will your money outlast you? v1.1 introduces Rich, Broke or Dead — a free actuarial overlay that answers the question most retirement tools never ask. For each future year, Kelo splits your Monte Carlo outcomes into three probabilities: alive & funded, alive & broke, and deceased, using SSA Period Life Tables. The result is a stacked-area chart showing not just your portfolio survival rate, but how that risk compares to the odds you're still around to spend it. For most FIRE planners, a long and well-funded retirement is far more likely than running short — the antidote to one-more-year anxiety. Sometimes the math says retire already. This is a free feature for all users. No personal health data. No medical claims. Grounded in public actuarial data. Also in v1.1: • The mortality-adjusted success rate now appears as a headline figure — the probability your money outlasts you — alongside the portfolio success rate. • Pro PDF exports now include the Rich, Broke or Dead chart. As always: no bank logins, no signup, no tracking. Your data stays on your device. ### 1.0 — 2026-05-06 No release notes. ## More apps by Gurinder Singh - [HelpStash: Stop Impulse Buying](https://appshunter.io/ios/app/helpstash-stop-impulse-buying/id6755245373) - [Private Portfolio Tracker](https://appshunter.io/ios/app/private-portfolio-tracker/id6757809998) All apps by Gurinder Singh: https://appshunter.io/developer/1802916889 --- *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 2026-07-18.*