simpleFIRE vs Telework Tracker

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/

34 days. Not one more. You live in Belgium, France or Germany and work in Luxembourg? You can work up to 34 days a year outside Luxembourg, home working included, without your taxation changing. Go over, and it is not just the extra days that become taxable in your country of residence: it is all of them. Telework Tracker helps you stay under that limit, with peace of mind. YOUR COUNTRY'S RULES Pick your country of residence: the app applies its rules and explains them on every screen. Starting a job in France mid-year? Your limit is adjusted. Living in Germany? A day only counts from 30 minutes of work outside Luxembourg. Living in Belgium? The app also warns you based on the Belgian tax authority's reading. LOG A DAY IN TWO SECONDS One tap each morning: telework, business trip, sick leave or paid leave. Half days too, and the app reminds you they count as a full day. Worked on a Saturday or a public holiday? Log it, and the app counts it once you confirm. ALWAYS KNOW WHERE YOU STAND The annual ring shows the days you have used against your limit. We warn you at 75%, then at 90%. With Pro, you choose those thresholds yourself. YOUR WHOLE YEAR AT A GLANCE Every logged day is marked on the calendar. If your log and your actual office presence don't match, the app flags it so you can check. It never changes anything for you. PRO: AUTOMATION AND PROOF • Your office presence logged automatically by geofencing, on your device, with no manual input • Reconciliation between detected presence and your log • Your own alert thresholds • Multi-year history • A PDF compliance report, with your daily notes and a signature line for your employer PRIVACY FIRST Location is processed on your device: no GPS trails, no ads, no tracking. Your data syncs to EU-hosted servers only if you create an account. In guest mode, everything stays on your iPhone. Telework Tracker is a record-keeping tool, not tax advice. Verify your personal situation with your employer or a tax adviser. SUBSCRIPTION Telework Tracker Pro is an annual auto-renewable subscription, with a 1-month free trial for new subscribers. Payment is charged to your Apple Account when the trial ends. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel it in your Apple Account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://teleworktracker.app/en/privacy.html