退休计算器 vs PassiveTrack

你知道自己的自由值多少钱吗？ 退休倒计时是一款严肃的个人退休规划工具，帮你算清楚：需要多少钱、什么时候够、每月要存多少。 核心功能： · 基于4%法则的退休目标计算 · 8种退休人格测试 · 生活开销规划（含30+城市对比） · 资产记录与增长追踪 · 月度财务体检 · 情景模拟与反推计算 · 社保养老金估算 所有数据只存在你的手机里，不上传任何服务器。 适合：25-55岁，认真想过提前退休或财务自由的打工人。

How much of your living costs do your dividends, interest and rent already pay for? PassiveTrack adds them up and shows one number: your passive income coverage. At 100%, you're financially independent. THREE NUMBERS AT A GLANCE • Net worth: stocks, funds, crypto, cash, deposits and property in the currency you choose, prices refreshed hourly • Monthly passive income: dividends sync automatically, deposits earn interest at the rate you enter, add rent or a pension by hand • Coverage: passive income ÷ monthly spending, so you see how far you are from financial independence ADD HOLDINGS FAST • Screenshot import: snap any broker or bank screen and confirm what the AI found • Voice: say "I have 100 shares of Apple" • Manual entry, and CSV import on the web, including Interactive Brokers statements GLOBAL MARKETS, MANY CURRENCIES US, Hong Kong, China A-shares, European stocks, Chinese mutual funds and crypto; 30+ currencies converted for you. PLAN • FIRE progress: target capital and years to go with the 4% rule (adjustable) • This month's note: what moved your net worth and passive income • Ask questions about your own numbers • Family: see combined totals with your partner without sharing holdings REMINDERS Dividends, coverage milestones and a Sunday summary. Notifications never show amounts. PRIVACY No broker or bank logins. Export or delete your data any time. FREE AND PRO Free forever for up to 15 stocks, funds or coins; cash, deposits and property are unlimited. Pro unlocks unlimited holdings and screenshot imports, more AI notes and questions, and CSV export. Pro is a monthly or yearly auto-renewing subscription (cancel any time in Settings → Apple ID → Subscriptions) or a one-time lifetime purchase. Terms: https://passivetrack.xyz/terms Privacy: https://passivetrack.xyz/privacy