SwipeCash vs FIRELab

Turn every urge to buy into a guided cooldown. Catch impulse buys before they hit your wallet in just a few taps. SwipeCash puts a pause between wanting and buying. When the urge hits, log the item, swipe through honest prompts to score the impulse, and let a personalized cooldown run. Come back with a clear head and decide on purpose, not on impulse. Every dollar you almost spent stacks up as real savings. What SwipeCash does for you: - Instant cooldowns: Log an urge and get a custom wait time based on price and impulse score. - Impulse swipe check: Be honest with yourself through a card deck that exposes the real pull behind the purchase. - Panic mode: If the urge hits mid-cooldown, tap in for a quick gut check and a reality reminder. - Daily check-in: Track your mood, reflect on your spending habits, and commit to mindful choices every day. - Shopping shield: Block shopping sites and apps system-wide with one tap using Screen Time. - Savings tracker: See exactly how much you kept in your pocket by choosing to wait. - Trophies & streaks: Unlock mascot skins and celebrate milestones as your streak grows. - Monthly wrapped: Get a Spotify-style recap of your impulse-buying habits every month. - Smart reminders: Get notified when a cooldown ends so you never forget a pending decision. - Home screen widgets: Track your savings, streak, and cooldowns right from your lock screen. Designed for people who overspend without meaning to: - Perfect for late-night shoppers, deal-chasers, and anyone who scrolls carts out of boredom. - Ideal for breaking the 11pm Amazon habit, the TikTok Shop spiral, and the "treat yourself" loop. - Built to protect your wallet and your peace, not to ban shopping. Why users love SwipeCash: - Removes the guilt after every purchase by making every buy a conscious choice. - Kills impulse buys without feeling restrictive. You still buy. You just buy on purpose. - Builds awareness fast: most people notice their triggers within the first week. - Based on the simple truth that waiting 24 hours kills most urges before they cost you. Features You'll Love: - Personalized cooldown timers based on price and impulse score - Honest swipe decks that expose the real reason behind the urge - Panic mode for mid-cooldown emergencies - Daily reflection with mood tracking, journaling, and pledges - Shopping blocker — block 250+ shopping sites and apps instantly - Savings dashboard with streaks and success rate - Trophy system with unlockable mascot skins - Monthly and yearly wrapped recaps - Waitlist of active cooldowns with live countdowns and progress bars - Home screen and lock screen widgets with live data - Smart notifications only when a decision is waiting Download SwipeCash and log your first urge today. Start saving money by waiting, not by giving up the things you love. A subscription is required to access the full app experience and features. Terms of Use: https://legal.rocapine.com/terms Privacy Policy: https://legal.rocapine.com/privacy

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.