# Mochiru: Retirement Simulator — Asset Longevity Monte Carlo

> Asset Longevity Monte Carlo (iPhone/iPad app by YANGLI CHEN.)

- Source: https://appshunter.io/ios/app/mochiru-retirement-simulator/id6778235888 (this page in markdown: same URL + `.md`)
- Developer: [YANGLI CHEN](https://appshunter.io/developer/1886058795)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 17.0 · 4 MB
- Languages: American English, Arabic, Catalan, Croatian, Czech, Danish, Dutch, Finnish, French (France), German (Germany) and 23 more
- Released: 2026-06-11
- Data updated: 2026-08-27
- User reviews in markdown: https://appshunter.io/ios/app/mochiru-retirement-simulator/id6778235888/reviews.md

## What is Mochiru?

Mochiru is a fully offline retirement asset longevity simulator covering your whole financial lifecycle: accumulation, retirement, and drawdown. It answers one question with Monte Carlo simulation: how long will your money last?

WHO IT IS FOR
- You want to see, in numbers, how many years your retirement assets will last
- You are planning FIRE / early retirement and want distributions, not a single optimistic line
- You want a drawdown plan that includes your pension, on your own assumptions
- You want everything on-device: no account linking, no sign-up

WHAT YOU CAN DO
- Visualize success rate, depletion probability, asset longevity, and terminal wealth as a fan chart
- Enter your public pension (claiming age 60-75) and other regular income; income is deducted from required withdrawals
- Switch between four withdrawal strategies: fixed amount, fixed rate, dynamic guardrail, floor and ceiling
- Inverse analysis: solve the withdrawal amount that meets a target success rate (80-95%)
- Sensitivity analysis: sweep withdrawal rate, retirement age, and equity ratio
- Actuals tracking: log your total assets and compare reality with the plan
- Share your result as a single image (free)
- 3-question quick start gets you to your first result in seconds
- Siri Shortcuts to check your success rate or rerun the simulation

PREMIUM (one-time purchase, no subscription)
- Sequence-of-returns risk analysis, currency-hedge comparison, historical backtest
- Unlimited scenario saving and side-by-side comparison, PDF report export, higher simulation path counts

WHY MOCHIRU
- Built for JPY-based investors holding USD equities: it preserves the crash correlation where falling stocks and a strengthening yen hit your assets at the same time - a risk that simple "expected return plus risk" tools often miss
- Parametric assumptions plus historical block-bootstrap sampling

PRIVACY
- All calculation, input, and records stay on your device. Zero data collection, no account linking, no sign-up. The app uses the network only to purchase, to restore a purchase, and to open the legal pages.

IN THIS VERSION
• Back up and restore your data, and delete everything, from Settings
• Onboarding now asks what you will spend each year in retirement, and the result screen shows what to change when the success rate is low
• Pick the date on an entry, so you can fill in past balances; entries can now be edited
• Your last result is saved and shown as soon as you open the app
• The chart's vertical axis now follows the median and the p25–p75 band instead of being squashed by the top outliers
• New glide path: lower your equity share as you age
• Purchases and restores always report their result on screen

NOTE
This app is a simulation for general information and learning purposes. It does not recommend specific financial products or advise on the timing of trades. Results are calculations based on the assumptions you enter and do not guarantee future investment performance.


## Version history (last 5 releases)

### 1.3 — 2026-08-19

v1.3
- Back up and restore your data, and delete everything, from Settings
- Onboarding now asks what you will spend each year in retirement, and the result screen shows what to change when the success rate is low
- Pick the date on an entry, so you can fill in past balances; entries can now be edited
- Your last result is saved and shown as soon as you open the app
- The chart's vertical axis now follows the median and the p25–p75 band instead of being squashed by the top outliers
- New glide path: lower your equity share as you age
- Purchases and restores always report their result on screen

### 1.2 — 2026-07-30

v1.2
- The default withdrawal strategy is now Fixed Amount. Fixed Rate and Dynamic Guardrail withdraw a share of the balance, so assets never reach zero and the success rate always reads 100%. The app now says so on screen when you pick those.
- Fixed the contradiction between a high depletion probability and an asset longevity of "Lasts": the median age of the paths that do run out is now shown.
- Chart gestures fixed: vertical swipes scroll the page again, touching no longer distorts the vertical axis, and a selection can be dismissed by tapping again or with the × button.
- Fixed places that still showed Japanese in other languages (Compare tab, PDF report, chart callout).
- Metric cards no longer clip their values at accessibility text sizes, and charts now provide a VoiceOver summary.
- Added progress and a stop button for long calculations, and you can now rename saved scenarios.
- Made it explicit throughout the app that the "Historical" series is a bundled sample (synthetic data).

### 1.1 — 2026-07-14

v1.1
- Enter your public pension (with claiming age) and other retirement income; income is deducted from required withdrawals
- New Inverse analysis: solve the withdrawal amount that meets a target success rate (80-95%)
- Actuals tracking: log your total assets and see them overlaid on the plan's distribution band
- Share your result as a single image (free)
- 3-question quick start for your first simulation
- Siri Shortcuts: check your success rate or run a simulation
- Improved charts and localization across 33 languages

### 1.0.1 — 2026-06-17

Mochiru 1.0 - first release. Monte Carlo simulation of your full asset lifecycle, from accumulation through retirement drawdown. Fully offline, no data collected.

### 1.0 — 2026-06-11

No release notes.

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All apps by YANGLI CHEN: https://appshunter.io/developer/1886058795

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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 2026-08-27.*