Jayu vs Viridian

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

Your business and personal money, never tangled again. Viridian is an expense tracker and budget app built for people who run a business—or several—alongside their personal finances. Give each business its own profile, connect your accounts, and see exactly what came in, what went out, and what you kept. ONE APP FOR EVERY BUSINESS Create a profile for each business, side hustle or LLC, plus one for your personal money. Tap a profile to focus on it, or choose All profiles to see everything together. No more mixing business and personal spending. KNOW WHERE YOUR MONEY GOES Track spending by category and merchant, compare this month with last month, and follow cash flow and net worth over time. Spot your biggest purchases and the days you spend the most. CATCH BILLS AND SUBSCRIPTIONS Viridian finds recurring charges automatically, shows what is due soon, and flags subscriptions you may have forgotten about. BUDGET AND BREAK EVEN Set monthly budgets by category, list your fixed costs, and see how much you need to earn each day to break even for the month. BOOKKEEPING WITHOUT THE BUSYWORK Profit-and-loss reports by month, custom categories, and rules that sort new transactions for you. Export transactions and reports to CSV for your accountant. FEATURES • Multiple business and personal profiles • Connected balances and automatic transaction syncing • Spending by category and merchant • Recurring bill and subscription tracking • Budgets, fixed costs and break-even planning • Cash-flow and net-worth tracking • Profit-and-loss reports and CSV export • Custom categories and automation rules • Sign in with Apple, two-factor authentication and in-app data deletion BANK CONNECTIONS Connect supported institutions through Stripe Financial Connections. Financial information is read-only. Viridian does not receive or store your online banking credentials. MEMBERSHIP Viridian Membership is an auto-renewing monthly subscription, with a 7-day free trial for eligible new subscribers. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel your subscription in your Apple subscription settings. Terms of Use: https://viridianfinances.com/terms Privacy Policy: https://viridianfinances.com/privacy