Untilfree: FIRE Calculator

When could your dividend income or savings pay your bills for good? Untilfree turns four numbers into your financial freedom day, then counts down to it every midnight. A simple FIRE calculator for index, ETF and dividend investors: your own yield, your own numbers, one clear date. No account, no bank link. Free to use; Plus is a one-time purchase or yearly. Enter your age, your savings, what you invest each month and what you spend. Untilfree works out when your savings can cover your monthly spending, the idea behind FIRE (financial independence, retire early), and counts the days until that freedom day. Invest money you didn't spend, and the day moves closer. TODAY • Your freedom day and a countdown that updates every midnight • Home Screen and Lock Screen widgets with your days until retirement (free for your first 7 days, then Plus; the large widget is Plus only) • A range, not false precision: cautious, base and optimistic dates side by side LIVING ON DIVIDENDS? • Choose "Dividend income" and enter your portfolio's dividend yield, free. Your savings goal is worked out from it, so you see the day your dividends could cover your spending. • Index/ETF investor? Use a yearly withdrawal rate instead (4% by default, the well-known 4% rule), also free. • Untilfree doesn't fetch prices or track holdings, so there is no stale market data: it works only from the numbers you give it. CALCULATE: HOW MANY DAYS? • A purchase: type in something you're tempted by and see what it would cost you in days of freedom. Then one tap: "Skipped", "Added to savings" or "Bought". Rent, groceries and your usual investing are already in your plan, so there is nothing to track every day. • Ideas: small changes built only from your own numbers; tap one to try it • Plan change: a raise, a cut or a windfall, and your new date YOUR PLAN • Your bills, smallest first: see which ones your savings already cover • Share cards and a weekly story, showing time only, never amounts HONEST NUMBERS • Everything is in today's money. Growth is after inflation (5% a year by default, dividends reinvested, compound growth included), and you can switch to cautious or optimistic. • One calm notification a day at most. No streaks, no guilt. • Currencies: USD, EUR, GBP, CAD, AUD, TRY. In English, Spanish, French, German and Turkish. WHAT IT DOESN'T DO (YET) • No portfolio tracking, dividend calendar or live prices. It plans; it doesn't track holdings. • No taxes and no account types such as 401(k), IRA, ISA or TFSA. Your dates are estimates before tax, and state pensions are not included. • No bank connection: you type in rough numbers yourself. PRIVATE BY DESIGN • No account, no sign-up: your numbers are stored on this phone and in your iCloud Backup • Usage stats stay off unless you say yes; crash reports can be turned off UNTILFREE PLUS: one-time purchase, or yearly • No ads. With Plus, the ad network is never even loaded. • Every widget, including the large one with your progress (the others are free for your first 7 days) • Unlimited calculations and plan changes (free: a few a day, more with an optional short ad) • Combine plan changes into one date • Every idea; add your own and make them goals • Time report, choice by choice (your totals stay free) • Your own growth rate and safety margin • Unlimited waiting list (3 items free) The countdown, Calculate, your bills, the first ideas, your own dividend yield and withdrawal rate, share cards, the weekly story and notifications are free. Untilfree is a planning and motivation tool, not financial advice. It does not give investment, tax or pension advice and does not recommend any product. All dates are estimates based on the assumptions you choose; real returns can be higher or lower. Privacy Policy: https://srofia.com/untilfree-privacy Terms of Use: https://srofia.com/untilfree-terms