FI Scouts vs simpleFIRE

FI Scouts is an app that guides you on your way to financial independence. This app lets you track your net worth, FI number and your savings rate as often as you need to. FI Scouts shows your progress with big numbers and stunning charts, so you're always on top of your goals. All data entry is done manually for security reasons, and your data stays safe and private. FI Scouts helps you find your FI number and figure out when you can retire, if that's what you want given your current income and expenses. There's even milestones you can achieve to motivate you along the way! We are extremely open to your feedback, so please help us shape the app to your liking. Let us know if you have any feature requests. If you have any problems or need help, we are ready to answer your questions at hello@fiscouts.com. If you really enjoy the app or would like to support our work, then please consider sending us a tip. You can find the tip jar by tapping your profile picture. This helps us keep the app free and accessible and will allow us to keep adding new features over time. FIRST-CLASS PLATFORM SUPPORT We make an effort to support and provide the latest device features to you. If there's anything you're missing, let us know! ---- We utilize in-app purchases to allow you to send us a tip as a token of gratitude for our work. Tips are one-time purchases and can be sent as many times as you wish to. We greatly appreciate anything you can spare. Prices are clearly visible in the app. Tips are non-refundable. Please read our privacy policy and terms of use for more details at https://fiscouts.com/privacy-policy

simpleFIRE turns the big money questions into three simple calculators. Move a few sliders, watch the chart, and see what your plan really looks like. PROJECTION Start with what you already have, add what you invest each month, pick a period and an expected annual return. Watch the portfolio grow year by year, with your contributions and the interest they earned shown side by side. TIME TO FI Set your FI target and see when the portfolio gets there — the year and month, the passive income your target pays, and how far along you are each year. DRAWDOWN Start taking money out and see how long the portfolio lasts: the year and month it runs dry, how much you withdraw along the way, and whether the returns outrun your withdrawals. MONTE CARLO Markets don't pay the same return every year. Switch any calculator to Monte Carlo and test your plan against 5,000 market scenarios built on S&P 500 and US Treasury history since 1928. Set your mix of stocks and bonds with one slider and read the result at the confidence level you choose (90% by default): the portfolio you reach, when you reach FI, or the chance your withdrawals last through your planning horizon. EVERY NUMBER, EXPLAINED Tap the result card for the full picture: a year-by-year chart you can tap through, contributions and interest for each year and so far, the year interest overtakes your contributions, and a plain list of the assumptions behind the calculation. Inflation is one tap away on every calculator: see Projection in today's money, or set an FI target that keeps up with prices. PREMIUM — ONE PAYMENT, NO SUBSCRIPTION - Time to FI and Drawdown modes - Monte Carlo: thousands of market scenarios, your stocks and bonds mix, your confidence level - Saved profiles: keep several plans and switch in a tap - Calculation settings: inflation, contribution frequency, timing and yearly increases, compounding, withdrawal rate, planning horizon - PDF and image report: share a clean summary of any calculation, as a PDF or as a picture Projection is free and stays free. No ads anywhere in the app. PRIVATE BY DESIGN No account, no sign-in, no tracking, no analytics. Your numbers stay on your device, every simulation runs on it, and the app asks for no permissions. Built for iPhone and iPad, and it runs on Mac too. Dark and light themes, your currency, your number format. simpleFIRE gives you estimates based on the assumptions you set and on past market data, which does not guarantee future returns. It is a calculator, not financial advice. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/