Kelo vs FIRE Path

Kelo is a privacy-first FIRE retirement planner that runs 100,000 Monte Carlo simulations on your iPhone — no signup, no bank logins, no tracking. Most retirement calculators use a single assumed rate of return and call it a day. Bank-connected trackers want your login credentials and sell your data. Neither helps you stress-test early retirement against the real history of markets. Kelo is different. Every simulation runs on 98 years of historical US market data (1928 to present) using the same block-bootstrap method researchers use for retirement research. Nothing leaves your device. WHAT YOU GET • Rich, Broke or Dead? — actuarial survival overlay shows the 3-way split (funded, broke, deceased) for every future year, so you see if your money will outlast you — powered by SSA Period Life Tables (Free) • 100,000 Monte Carlo runs on your iPhone • Full FIRE, Barista FIRE, and Coast FIRE modes • Three withdrawal strategies: Constant Dollar, Guyton-Klinger guardrails, and Floor / Ceiling • Social Security claim-age modeling at 62, 67, and 70 — with COLA and NPV delta • ACA MAGI cliff visualization with premium estimates and subsidy waterfall • Side-by-side scenario comparison (Pro) • PDF scenario export (Pro) • Home-screen widget showing your FIRE progress ring • Optional encrypted iCloud sync — off by default • Compare to History — run your plan against 1966, 2000, or 2008 cohort returns to stress-test SORR (Free) WILL YOUR MONEY OUTLAST YOU? For most FIRE planners, a long, well-funded retirement is far more likely than running short — the antidote to one-more-year anxiety. Rich, Broke or Dead overlays SSA actuarial life tables to split each year into alive & funded, alive & broke, and deceased. Free. Based on public actuarial data, not a personal health prediction. WHAT IF YOU RETIRED IN 2000? 1966 and 2000 are the FIRE community's worst-case SORR benchmarks — stagflation and the dot-com+GFC sequence. Compare to History overlays your exact plan on those returns. One verdict line on your Monte Carlo fan: green if the cohort survived your horizon, red if it depleted. No fabricated returns. Free. HOW IT WORKS 1. Enter your portfolio, savings rate, and target spending 2. Pick a FIRE mode and stock / bond allocation 3. Run the simulation — see your success rate, median trajectory, and percentile fan chart 4. Save scenarios, compare them, and tune until you're confident PRICING & SUBSCRIPTION TERMS Kelo is free to download and use. A Pro subscription unlocks the full toolkit: • $6.99 / month or $49.99 / year • 1-month free trial • Up to 5 saved scenarios, Barista & Coast FIRE, Guyton-Klinger, Floor / Ceiling, 50- and 60-year horizons, full percentile bands, NPV delta, full ACA subsidy waterfall, scenario comparison, PDF export, and widget quick-update Payment charges to your Apple ID. Subscription auto-renews unless cancelled at least 24 hours before the period ends. Manage or cancel anytime in Settings. By subscribing, you agree to Apple's standard Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ PRIVACY, BY DESIGN • No analytics. No telemetry. No third-party SDKs. • No bank connections. No account required. • No network calls from the simulation engine. • Optional iCloud sync uses Apple's end-to-end encrypted CloudKit private database — your data, your Apple ID, nobody else's. LEGAL Privacy Policy: https://www.kelofireplanner.com/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Additional Terms: https://www.kelofireplanner.com/terms DISCLAIMER Kelo provides educational projections based on historical data. Past performance does not guarantee future results. This is not financial advice. Kelo is not a registered investment advisor, broker-dealer, or tax professional. Consult a qualified financial advisor for personalized guidance. Plan your freedom privately. Download Kelo and run your first simulation in under a minute.

FIRE Path is the most complete financial independence planner on iPhone. Enter your accounts, income, and spending, then watch your path to early retirement come into focus. YOUR FI NUMBER, CALCULATED FROM YOUR REAL LIFE Most FIRE calculators use guesswork. FIRE Path builds your projection from your actual salary, RSU vesting schedule, 401(k) contributions, Roth IRA, taxable accounts, home equity, and spending, then calculates exactly when you hit financial independence. FOUR PATHS TO FREEDOM Switch between Standard FIRE, Barista FIRE, Coast FIRE, and Lean FIRE with a tap. See how cutting your spending, picking up part-time work, or letting compound growth do the heavy lifting changes your timeline. STRESS-TEST YOUR PLAN - Monte Carlo simulation: Run 1,000+ market scenarios and see the probability your money lasts 30, 40, or 50 years - Historical backtesting: Test your plan against every market cycle from 1871 to present. Would your strategy have survived the Great Depression? The dot-com crash? The 2008 crisis? - Withdrawal strategy modeling: Compare the 4% rule, Guyton-Klinger guardrails, variable percentage withdrawal, and more THE ADVANCED TOOLS SERIOUS PLANNERS NEED - Roth conversion ladder planner: Optimize year-by-year conversions to fill tax bracket headroom before RMDs hit - Social Security optimizer: Compare claiming at 62, 67, or 70 with spousal benefit coordination - ACA healthcare subsidy modeling: Find the income level that maximizes your marketplace subsidy before Medicare kicks in - Withdrawal order optimizer: Tax-efficient drawdown sequence across taxable, tax-deferred, and Roth accounts - IRMAA planner: Avoid Medicare premium surcharges with income-aware retirement projections - Mega backdoor Roth: Model after-tax 401(k) contributions and in-plan Roth conversions - Phased spending: Set different spending levels for go-go years, slow-go years, and no-go years TRACK EVERYTHING IN ONE PLACE Net worth, asset allocation, savings rate, emergency fund coverage, debt payoff timelines, 529 college projections, RSU vesting with live stock prices, and home equity — all in one clean dashboard. ON-DEVICE AI ASSISTANT Ask your AI anything: "How much do I need to retire at 45?" "What happens if I take Social Security early?" "What's my ACA cliff?" It knows your full financial picture and answers with your actual numbers. BUILT FOR PRIVACY All data stays on your device and syncs privately via iCloud. No accounts to create. No data sold. Face ID protection available. ALSO INCLUDES - What-If scenario builder, model job changes, windfalls, early retirement dates - Full federal + state tax engine (all 50 states) - iOS Home Screen widgets - Dark mode