simpleFIRE vs FIRELab

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. Methods & Data 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. 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/

Know your FIRE number. Then find out whether you're actually getting there. Most FIRE calculators give you a number and forget you. FIRELab gives you five, then tracks your real net worth month after month so you can see the gap between the plan and reality. FIVE MILESTONES, ONE PLAN Enter your spending once and see every FIRE target at the same time, ordered by which one comes first: Coast FIRE — stop contributing and let compounding finish the job Barista FIRE — part-time income covers part of the lifestyle you choose Lean FIRE — a simpler life, a smaller number Regular FIRE — your current lifestyle, indefinitely Fat FIRE — room for comfort and travel No re-entering the same numbers on five different screens. Change your withdrawal rate and watch all five targets move together. TRACK WHAT ACTUALLY HAPPENS Record your net worth once a month. FIRELab separates the money you contributed from what the market added — or took away. That distinction is what makes a return number honest, and almost no app bothers with it. Your history feeds the projection. Miss a few months and the math still holds: returns are measured over elapsed time, not over the entries you happened to record. THE CHART THAT MATTERS A single timeline showing your projected path, with each milestone marked where your curve crosses it, and the exact time to each one listed below. Not just how much — when. BUILT FOR HOW FIRE ACTUALLY WORKS Real returns, so your target means the same thing in today's money Coast FIRE measured against a target that rises as your deadline approaches — the calculation most tools get wrong Time-weighted returns, so heavy contribution months don't distort the number Savings rate calculated from what you actually saved, not what you planned to Withdrawal rates from 2.5% to 5% PRIVATE BY DESIGN No account. No sign-up. No bank connections. No analytics. Your net worth never leaves your iPhone — because a number that personal has no business on someone else's server. Works fully offline. Available in English and Portuguese, with support for USD, BRL, EUR, GBP, CAD and AUD. FREE AND PREMIUM Everything above is free, including unlimited monthly tracking. FIRELab Premium is a single purchase — no subscription — and unlocks: Your real annualized return, after inflation Plan vs reality: your actual net worth against the plan you set Contributions vs growth: what you put in versus what the market added A prompt to update your expected return once your own history is long enough to trust FIRELab is an educational tool. Projections are estimates based on the assumptions you enter and do not predict actual investment results. This app does not provide financial, tax, or investment advice.