simpleFIRE vs Verte

simpleFIRE puts three FIRE calculators in your pocket, with Monte Carlo and historical backtesting built in. Move a slider and see what you'll have, when you can stop working, and how long your money will last. PROJECTION Start with what you have, add what you invest each month, pick a period and an expected annual return. Watch your portfolio compound year by year, with your contributions and the interest they earn side by side. TIME TO FI Set your FI target and see the month you reach it, the passive income it pays, and how far along you are each year. Not sure of your number? Start from what you spend and the app suggests one. DRAWDOWN Start living off your portfolio and see how long it lasts: the month it would run dry, what you withdraw along the way, and whether your returns keep up with your withdrawals. MONTE CARLO, HISTORICAL OR FIXED RATE — YOUR CHOICE Markets never pay the same return twice. Switch any calculator to Monte Carlo and the app runs 5,000 simulations of your exact plan, updated live as you move a slider. Prefer real data? Historical backtests your plan the way the Trinity study tested the 4% rule: through every period of real S&P 500 and US Treasury returns, with the inflation each year actually brought. Or keep it simple with a fixed rate. Set your mix of stocks and bonds with one slider and read every answer as a plain chance: what you'll have, when you'll reach FI, how long your money lasts, and the odds it lasts as long as you need. EVERY NUMBER, EXPLAINED Every result starts with the question it answers. Tap it for the full picture: a chart you drag through year by year while the numbers follow your finger, contributions and interest for every year, the year your money starts earning more than you add, and every assumption behind the result. Inflation is one tap away: see any result in today's money or as your account will show it. About in Settings explains how every number is calculated and where the market data comes from. PREMIUM — ONE PAYMENT, NO SUBSCRIPTION - Time to FI and Drawdown - Monte Carlo and Historical, with your own stocks and bonds mix and the chance you plan with - Saved profiles: keep several plans and switch in a tap - Calculation settings: inflation, contribution frequency, timing and yearly increases, withdrawal timing, compounding, withdrawal rate, planning horizon - PDF and image reports: share a clean summary of any plan 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. Six languages, 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/

A currency converter that is finally calm. If you are a traveler watching the dollar, a freelancer paid in euro or yen, an online shopper buying cross-border, or a crypto and forex watcher tired of ad-stuffed converters, Verte is built for you. It is a fast exchange rate tracker for 160+ fiat, crypto and metal currencies in a serif-and-mint interface that does not yell at you. There is no account to create, no banner ads, no dark patterns, no email gate. Your favorites and history stay on this device, the app works offline against the last cached rates, and there is no third-party server scraping what you convert. Every feature described below is unlocked only with an auto-renewable subscription purchased inside the app. New users receive a 3 day free trial; you may cancel anytime during the trial to avoid being charged. Open the app and you are already converting on a clean numeric keypad. Favorite currencies sit in the order you choose. Trend charts span 1D, 1W, 1M, 3M, 6M and 1Y so you can see where a pair is heading, and rate alerts ping you when a number lands on your target. A split bill helper handles travel dinners, a travel budget tracks daily spend on the road, and locale-aware formatting respects how each market writes numbers. Crypto rates sit beside fiat without a separate tab, and gold and silver round out the metals view for anyone watching long-term stores of value. Beyond the basics, Verte handles the awkward moments travel actually produces. A quick swap pivots two currencies in a tap so the conversion runs both ways at a market stall. Long-press a favorite to see the seven-day movement before you commit to changing money, and pin a pair to a Home Screen widget the night before a flight so the morning glance is honest. The Apple Watch companion handles tap-and-convert at a counter when the phone is buried in a bag, and offline fallbacks keep money conversion working when signal disappears on a train or a ferry. Locale formatting writes 1.234,56 or 1,234.56 the way the local market expects, which matters more than people admit. The interface ships in 15 in-app languages, 39 store languages, six handcrafted color themes, and full VoiceOver support. Useful for expats sending money home, slow travelers building a travel currency cushion, online shoppers checking the real dollar landing price before a Stripe charge, freelancers invoicing in yen or euro and double-checking the bank wire, and anyone who wants fx rates without clutter or surveillance. Dynamic Type scales the keypad cleanly, the dark theme is honestly dark, and the whole experience is built to disappear after the conversion lands. Unlock with Pro: - Unlimited currencies and rate alerts across fiat, crypto and metals - Long-range charts spanning 1M, 3M, 6M and 1Y - All Home, Lock Screen and Apple Watch widgets, plus the Watch app - Premium themes and daily currency tip notifications - Unlimited travel budgets with backup export and import Subscription Pricing & Terms Features require a subscription. Pricing and terms available in-app. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Payment will be charged to your Apple ID account at confirmation of purchase. The subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. Manage or cancel your subscription and free-trial conversion in Settings > Apple ID after purchase. Any unused portion of the free-trial period will be forfeited when you purchase a subscription.