FIRE計画 vs FIRE Survival

FIREまでの距離を、数字で見える化する。 毎月の生活費から必要資産を計算し、いまの資産を記録するだけで「達成率」と「あと何年何日」が分かる、シンプルなFIRE進捗管理アプリです。 ■ こんな方におすすめ ・FIREを目指しているが、あと何年かかるのか分からない ・つみたてNISAやインデックス投資を続けているが、進捗を実感できない ・資産管理アプリは多機能すぎて続かなかった ・口座連携で資産を預けるのは不安。手入力で完結するものがいい ■ 主な機能 【必要資産の自動計算】 ・毎月の生活費と取り崩し率(3% / 3.5% / 4% / 5%)を選ぶだけで、FIREに必要な資産額を計算 ・4%ルールに基づく一般的な考え方をそのまま使えます 【達成率と達成時期】 ・いまの資産が目標の何%かをリングで表示 ・期待利回りと毎月の投資額から、FIRE達成まで「あと◯年◯日」を試算 ・複利と積立を加味した計算なので、投資額を増やしたときの変化も試せます 【資産の記録】 ・総資産の金額を入力するだけのシンプルな記録 ・前回からの増減を自動で表示 ・記録した資産はあとから金額・日時・メモを修正できます。入力を間違えても安心です ・不要な記録は削除できます 【資産推移グラフ】 ・記録した資産の推移を折れ線グラフで確認(プレミアム) 【記録のリマインド】 ・最後の記録から一定期間が経つと通知でお知らせ。記録が途切れません ■ プレミアム(買い切り ¥300) ・資産の記録が無制限(無料版は5回まで) ・資産推移グラフ ・広告非表示 ・買い切りなので、月額料金はかかりません 口座やクレジットカードとの連携はありません。入力した金額はすべて端末内に保存され、外部サーバーには送信されません。 ※ 本アプリは資産形成の記録・試算を補助するツールです。特定の金融商品の推奨や、投資助言を行うものではありません。試算結果は入力値に基づく単純計算であり、将来の運用成果を保証するものではありません。 利用規約: https://towawawa.github.io/app/fire-plan/terms.html プライバシーポリシー: https://towawawa.github.io/app/fire-plan/privacy-policy.html

[WARNING] Is your early retirement plan prepared for the worst-case scenario? Most calculators assume a perfect 5% annual return. But the real stock market doesn't work that way. Market crashes and the "Sequence of Returns Risk" can destroy your portfolio in the first decade of retirement. "FIRE Survival" is a high-precision Financial Independence, Retire Early (FIRE) simulator. We don't just calculate average returns—we run advanced simulations considering actual market volatility to determine your exact "Survival Rate." See the Bottom 5% Worst-Case Scenarios and build an ironclad wealth management plan that lasts your lifetime. Whether aiming for Lean FIRE, Fat FIRE, or Side FIRE, our app acts as your ultimate personal finance compass. ◆ WHO IS THIS APP FOR? - Anyone aiming for Financial Independence and Early Retirement. - Retail investors tracking their retirement number and savings rate. - Retirees worried about inflation, recessions, or running out of funds. - People exploring "Side FIRE" (working part-time or freelance). - Finance geeks analyzing safe withdrawal rates, dividends, and portfolio survival rates. ◆ CORE FEATURES ① [High-Precision Wealth Simulation] Input your current age, net worth, annual income, savings rate, expected return, and inflation rate. Visualize not only the median asset growth but also the "Worst 5% Scenario." Know exactly what happens if the economy crashes the day you retire. ② [Side FIRE & Total FIRE Comparison Mode] Not ready to quit completely? Toggle instantly between "Total FIRE" (zero active income) and "Side FIRE" (earning active income through side hustles). See how a small monthly income drastically improves your portfolio’s survival rate. ③ [DANGER ZONE & Solutions] If your plan has a high risk of going bankrupt early, our "Danger Zone" triggers. The app reverse-engineers your data to provide exact solutions. It tells you exactly: - "Work for 3 more years" - "Save an additional $20,000" - "Reduce annual spending by 10%" Stop guessing and know what steps you need to take today. ④ [Intense Economic Stress Testing] What if the S&P 500 crashes by 15% for three consecutive years right after you leave your job? What if inflation unexpectedly spikes? Run extreme stress tests with a single tap to see if your portfolio is recession-proof. ⑤ [FIRE Personality Insights] Based on your inputs, the app classifies your strategy into 5 unique profiles (e.g., "Fortress," "Lean," "Fragile"). Understand the structural strengths of your finances and get tailored advice. ◆ WHY CHOOSE "FIRE SURVIVAL"? Standard calculators are dangerous because they ignore volatility. If a bear market hits after you retire, withdrawing money while your assets are depleted cripples your portfolio. "FIRE Survival" simulates genuine market fluctuations, helping you build a portfolio that thrives during economic recessions. ◆ PREMIUM SUBSCRIPTION While the core simulation is free, unlocking our Premium Plan gives you ultimate analytical power: - Ultra-High Precision Mode (3,000 extensive simulation trials for maximum accuracy). - 100% Ad-Free Experience. - Save & Track unlimited simulation histories to compare scenarios. - Unlock advanced "Danger Zone" metrics. *Subscriptions can be cancelled anytime via App Store settings.* Your financial freedom is not a game. Plan it with absolute precision. Download "FIRE Survival" today and take the first concrete step toward a worry-free early retirement! --- [Disclaimer] Results provided by this application are for informational and educational purposes only and do not constitute professional financial advice. Future investment returns, inflation, and market stability are unpredictable. Please consult a certified financial planner before making major life decisions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/