Jayu vs Freedom Date

Jayu is the FIRE planning app for people who take financial independence seriously. If you've outgrown spreadsheets and generic retirement calculators, Jayu gives you the depth you need to plan FIRE properly — with personalized projections, advanced tax strategies, and an AI advisor that actually knows your numbers. PLAN WITH MONTE CARLO PRECISION See your FIRE outcome across 10,000 simulated market futures, not just one optimistic line. Compare Standard FIRE, Lean FIRE, Fat FIRE, Coast FI, and Barista FI side-by-side. OPTIMIZE YOUR TAXES Jayu surfaces 12 advanced strategies tailored to your situation: Backdoor Roth, Mega-Backdoor Roth, HSA optimization, Roth Conversion Ladder, SEPP/72(t), Tax Gain Harvesting in the 0% LTCG bracket, asset location, and more. Each strategy includes estimated annual impact and step-by-step execution guidance. KNOW WHERE EVERY DOLLAR GOES The Funding Waterfall shows you exactly where to put your next dollar — emergency fund first, employer match capture, HSA, Roth IRA, 401(k), and beyond. No more guessing. GEOGRAPHIC ARBITRAGE Compare your FIRE timeline across 159+ destinations worldwide. Cost of living, tax treatment, healthcare, and visa difficulty all factored in. See how moving could change your timeline. RUN UNLIMITED SCENARIOS What if you saved $500 more? What if you took the new job? What if you bought a house? Compare any decision side-by-side and see the actual impact on your FIRE date. YOUR PERSONAL FIRE ADVISOR Ask anything about your plan — tax strategy, withdrawal sequencing, when to convert. The AI advisor has full memory of your financial picture and answers in context. TRACK PROGRESS THAT MATTERS Monthly net worth check-ins, quarterly progress reports, milestone tracking from Coast FI through Fat FIRE. Watch yourself get closer to financial independence, every month. PRIVATE BY DESIGN Your financial data stays on your device. No bank linking required. No third-party analytics. No data sold or shared. BUILT FOR THE SERIOUS FIRE COMMUNITY Jayu is designed for analytical planners who care about getting the math right. Not a budgeting app. Not a generic retirement calculator. A real FIRE planning tool. TRY PRO FREE FOR 7 DAYS Pro Annual: $69.99/year ($5.83/mo) Pro Monthly: $9.99/month Free tier available with limited features. Cancel anytime in the App Store. Made by Wuju Labs. Educational planning tool, not financial advice. Consult a qualified professional for personalized guidance. Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. You can manage your subscription and turn off auto-renewal in your App Store account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ — Privacy Policy: https://wujulabs.com/jayu/privacy

Do you know the date you'll no longer need to work? Freedom Date looks at your savings, spending and investments and gives you one concrete answer: the date of your financial freedom. Every deposit and every cut expense moves that date closer — and you see it instantly. No account. No bank linking. No email. Download and know your date in 2 minutes. YOUR FREEDOM DATE • Automatically calculated from your net worth, savings rate and expected returns (FIRE method: yearly expenses × 25) • Track progress in percentages — celebrate every milestone from 10% to 100% • Your personal "why I want freedom" note greets you on the home screen PORTFOLIO TRACKING • Stocks, currencies, gold, crypto, funds — all your assets on one screen • Live price updates keep your portfolio current • Allocation charts and monthly progress snapshots BUDGET & RECURRING TRANSACTIONS • Salary, rent, bills — define once, the app records them every month • Track your income-expense balance and savings rate • Smart reminders for upcoming payments "WHAT IF?" SIMULATOR • What if my salary grew 20%? • What if I saved $200 more each month — how many years would I gain? • Play with every variable, save scenarios, compare them side by side MONTHLY REPORT CARD • A personal report every month: savings rate, portfolio change, freedom date movement • Save or share your report as an image • Export to PDF and Excel — your data is always yours FINANCIAL GUIDE • Content personalized to your level • A 2-minute quiz calibrates what you see • Learn FIRE, investing and saving in plain language YOUR DATA IS YOURS ALONE • Everything is stored on your device in an encrypted database • No account, no server, no ads, no tracking • No bank linking required — you enter your data, you control it • Encrypted backup lets you move to a new device safely NO SUBSCRIPTION Core features are completely free. For power users there's Pro — one-time purchase, yours forever: • Unlimited assets and accounts • Live price tracking • Unlimited saved scenarios • Inflation-adjusted projections • PDF and Excel report sharing • Encrypted backup No monthly fee. No renewal. Buy once, use forever. — Financial freedom isn't a dream. It's a date. Find yours today. Questions or ideas: m.ikbalcan@gmail.com