IMPACT by Interactive Brokers vs Apogee

IMPACT App by IBKR provides the tools and technology that make it easy to invest responsibly in companies that uphold the principles you believe in. Select the values that are important to you, then Explore to find companies with similar values that fit your investment objectives. Monitor your portfolio's performance and grade with a tap. Want to improve your portfolio grade? Use Swap to trade out of one position and into another with a single order. For US residents, make more of an IMPACT by donating to your favorite charities through the IMPACT app. Tap the Give icon, search for or select a charity, specify the amount you'd like to give and submit. See your giving history using the Donations tab in the Transaction History page. Need access to options, futures and forex? You can use your account on IBKR's top-flight trading platforms like TWS, IBKR Mobile, and Client Portal. Trade your way to the world you want with IMPACT powered by IBKR, Barron's #1 rated online broker of 2021. DISCLOSURES INVESTING IN FINANCIAL PRODUCTS INVOLVES RISK TO YOUR CAPITAL. YOUR INVESTMENTS MAY INCREASE OR DECREASE IN VALUE, AND LOSSES IN DERIVATIVES OR WHEN TRADING ON MARGIN MAY EXCEED THE VALUE OF YOUR ORIGINAL INVESTMENT. The IMPACT application is a product of Interactive Brokers that allows clients to generate analysis of their IBKR brokerage accounts using environmental, social, and governance ("ESG") data provided by unaffiliated third-party data providers along with proprietary in-house algorithms and trade and account data contained in IBKR's systems. ESG information is not verified by IBKR and may differ from the information provided by other firms. For more information, please see the "Interactive Brokers Disclosure regarding Use of IMPACT and ESG Dashboard and IMPACT Application". The projections or other information generated by IMPACT app regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Please note that results may vary with use of the tool over time. IBKR’s services are offered through the following companies, depending on your location: • Interactive Brokers LLC • Interactive Brokers Canada Inc. • Interactive Brokers Ireland Limited • Interactive Brokers Central Europe Zrt. • Interactive Brokers Australia Pty. Ltd. • Interactive Brokers Hong Kong Limited • Interactive Brokers India Pvt. Ltd. • Interactive Brokers Securities Japan Inc. • Interactive Brokers Singapore Pte. Ltd. • Interactive Brokers (U.K.) Ltd. Each of these IBKR companies is regulated as an investment broker in its local jurisdiction. Each company’s regulatory status is discussed on its website. Interactive Brokers LLC is a SIPC member.

Your brokerage app shows your balance. It never shows the distance — when you'll actually be free. Apogee turns every purchase into what it really costs: days of financial freedom. Before you buy. No bank linking. No account. No ads. Everything stays on your device. ◆ Sound familiar? · Your balance grows, but "how far to my goal" stays a mystery · The goal feels so far away that saving loses its meaning · Impulse buys quietly eat what you meant to save · Budgeting apps died after two weeks of manual entry ◆ What Apogee does 1) Your Apogee — the date you become free Enter net worth, monthly investing, expected return, and your target (about 60 seconds). "Your Apogee: March 2044." Your goal becomes a date, not an abstract number. Set the target directly, or estimate it as yearly expenses × 25 (the 4% rule of thumb). 2) See the real price tag Add anything you're tempted by — name and price. Apogee instantly translates: "That $200 = your freedom moves 12 days away." You can still buy it. Apogee never blocks you. It just shows you the distance. 3) Sleep on it — 48 hours Cool each temptation for 48 hours (or 7 days). When time's up, one quiet notification: "Still want it?" Behavioral research suggests most impulses fade after a few days. If you still want it — buy it proudly. That's not an impulse anymore. That's a choice. 4) Every resist banks days Choose "resisted" and your freedom date moves closer: +12 days, banked. Streaks, monthly gains, all-time totals, milestones — saving stops being deprivation and becomes a game of pulling your future closer. Bought it anyway? No guilt. Tomorrow you bank days again. 5) Home Screen widget (Pro) Your countdown and this month's banked days — visible without opening the app. ◆ Privacy is the feature · No bank linking — your accounts stay yours · No sign-up, no email · All data lives on your device. Nothing is sent to a server · No ads, no tracking ◆ Pricing Free: the full loop for up to 3 temptations, plus your countdown meter. Pro: unlimited temptations, Home Screen widget, CSV export, full streak history. Yearly (7-day free trial), monthly, or a one-time lifetime purchase. ◆ Made for you if… · You're on the path to FIRE, Coast FIRE, or Barista FIRE · You want fewer impulse buys without tracking every coffee · Budget apps never stuck — Apogee only cares about the big purchases · You want your savings motivation to survive the years the market goes sideways ◆ Note Apogee's projections are general simulations based on your inputs — not investment advice, and not a guarantee of future results. Investment decisions are your own. Terms: https://app-apogee.netlify.app/terms Privacy Policy: https://app-apogee.netlify.app/privacy