Fire Path vs Mochiru

Fire Path - Bring Asset Management and FIRE Planning Together Want to retire early, but not sure how far away you are? Need an asset tracker, but also want a clearer path to financial freedom? Fire Path combines FIRE calculation, asset management, and daily progress tracking in one system. It helps you understand your FIRE target, organize your assets, compare strategies, and follow your progress over time. [Get Started in 3 Steps] 1. Enter your age, assets, annual investment, and annual expenses 2. See your FIRE number, years to FIRE, and FIRE age 3. Track your assets and FIRE progress from the home dashboard [Core Features] • FIRE Calculator - Estimate your target assets and retirement timeline - View key metrics and result summaries • 6 FIRE Strategies - Passive Income FIRE - Traditional FIRE (4% rule) - Lean FIRE - Fat FIRE - Barista FIRE - Coast FIRE • Comparison Mode - Compare strategies and scenario outcomes - Visualize asset growth and retirement paths with charts • Asset Management - Organize your asset allocation and tracked assets - Keep your asset picture structured and easy to review • Multi-Currency Asset Overview - View total assets in one display currency - Better understand tracked assets and allocation mix • Home Dashboard - Track your assets, FIRE target, and current progress - Stay focused on your financial milestones • Calculation History - Save every scenario you calculate - Revisit and refine your FIRE plan anytime • Daily Tasks and Check-In Streaks - Complete tasks and earn points - Track streaks and milestone rewards - Build consistent financial habits over time • Points Center - Review your points history and balance changes - Redeem selected premium experiences [Who It’s For] Whether you're planning your FIRE journey, managing your assets, or looking for one tool that connects both, Fire Path helps you build a practical, trackable, and flexible roadmap to financial freedom. Stop managing assets and retirement goals separately. Let the numbers guide your next step. Download Fire Path and start your countdown to financial freedom. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Mochiru is a fully offline retirement asset longevity simulator covering your whole financial lifecycle: accumulation, retirement, and drawdown. It answers one question with Monte Carlo simulation: how long will your money last? WHO PLANS WITH MOCHIRU - You want to see, in numbers, how many years your retirement assets will last - You are planning FIRE / early retirement and want distributions, not a single optimistic line - You want a drawdown plan that includes your pension, on your own assumptions - You want everything on-device: no account linking, no sign-up WHAT THE SIMULATION SHOWS - Visualize success rate, depletion probability, asset longevity, and terminal wealth as a fan chart - Enter your public pension (claiming age 60-75) and other regular income; income is deducted from required withdrawals - Switch between four withdrawal strategies: fixed amount, fixed rate, dynamic guardrail, floor and ceiling - Inverse analysis: solve the withdrawal amount that meets a target success rate (80-95%) - Sensitivity analysis: sweep withdrawal rate, retirement age, and equity ratio - Actuals tracking: log your total assets and compare reality with the plan - Share your result as a single image (free) - 5-question quick start gets you to your first result in seconds - Siri Shortcuts to check your success rate or rerun the simulation PREMIUM (one-time purchase, no subscription) - Sequence-of-returns risk analysis, currency-hedge comparison, historical backtest - Unlimited scenario saving and side-by-side comparison, crisis scenarios, PDF report export, higher simulation path counts WHY MOCHIRU - Built for JPY-based investors holding USD equities: it preserves the crash correlation where falling stocks and a strengthening yen hit your assets at the same time - a risk that simple "expected return plus risk" tools often miss - Parametric assumptions plus historical block-bootstrap sampling PRIVACY - All calculation, input, and records stay on your device. Zero data collection, no account linking, no sign-up. The app uses the network only to purchase, to restore a purchase, and to open the legal pages. IN THIS VERSION • Plan in 20 major currencies: yen, euro and US dollar plus the pound, Swiss franc, Canadian and Australian dollar, yuan, won and more. Your base currency also decides which way the exchange rate moves in a crash • Choose the app's language separately from the device - 34 languages • FIRE: solve for the earliest age you could retire on your current plan (free) • Crisis scenarios: compare eight assumptions such as a 2008-style crash, a lost decade, or high inflation (Premium) • New assumption presets: Conservative, Standard, Optimistic • One-off income (inheritance, property sale, severance pay) and more one-time expense categories: home renovation, a car, supporting family, private medical care, moving, travel, a care home • Public pensions can be index-linked and paid 12, 13 or 14 times a year. Choose from 13 countries and regions, such as Japan, the US, the UK, Germany or Spain, to switch the currency, the pension start age and the number of payments (taxes are still not modeled) • Apple Watch app and complications keep your latest result on your wrist • On iOS 26 devices an on-device model writes a short explanation of your result. Nothing is sent anywhere NOTE This app is a simulation for general information and learning purposes. It does not recommend specific financial products or advise on the timing of trades. Results are calculations based on the assumptions you enter and do not guarantee future investment performance. The series used in "Historical" mode is a bundled sample (synthetic data), not real market data.