Mochiru vs FPいらず｜老後資金・年金計算・ライフプラン診断

Mochiru is a fully offline retirement asset longevity simulator covering your whole financial lifecycle: accumulation, retirement, and drawdown. It answers one question with Monte Carlo simulation: how long will your money last? WHO PLANS WITH MOCHIRU - You want to see, in numbers, how many years your retirement assets will last - You are planning FIRE / early retirement and want distributions, not a single optimistic line - You want a drawdown plan that includes your pension, on your own assumptions - You want everything on-device: no account linking, no sign-up WHAT THE SIMULATION SHOWS - Visualize success rate, depletion probability, asset longevity, and terminal wealth as a fan chart - Enter your public pension (claiming age 60-75) and other regular income; income is deducted from required withdrawals - Switch between four withdrawal strategies: fixed amount, fixed rate, dynamic guardrail, floor and ceiling - Inverse analysis: solve the withdrawal amount that meets a target success rate (80-95%) - Sensitivity analysis: sweep withdrawal rate, retirement age, and equity ratio - Actuals tracking: log your total assets and compare reality with the plan - Share your result as a single image (free) - 5-question quick start gets you to your first result in seconds - Siri Shortcuts to check your success rate or rerun the simulation PREMIUM (one-time purchase, no subscription) - Sequence-of-returns risk analysis, currency-hedge comparison, historical backtest - Unlimited scenario saving and side-by-side comparison, crisis scenarios, PDF report export, higher simulation path counts WHY MOCHIRU - Built for JPY-based investors holding USD equities: it preserves the crash correlation where falling stocks and a strengthening yen hit your assets at the same time - a risk that simple "expected return plus risk" tools often miss - Parametric assumptions plus historical block-bootstrap sampling PRIVACY - All calculation, input, and records stay on your device. Zero data collection, no account linking, no sign-up. The app uses the network only to purchase, to restore a purchase, and to open the legal pages. IN THIS VERSION • Plan in 20 major currencies: yen, euro and US dollar plus the pound, Swiss franc, Canadian and Australian dollar, yuan, won and more. Your base currency also decides which way the exchange rate moves in a crash • Choose the app's language separately from the device - 34 languages • FIRE: solve for the earliest age you could retire on your current plan (free) • Crisis scenarios: compare eight assumptions such as a 2008-style crash, a lost decade, or high inflation (Premium) • New assumption presets: Conservative, Standard, Optimistic • One-off income (inheritance, property sale, severance pay) and more one-time expense categories: home renovation, a car, supporting family, private medical care, moving, travel, a care home • Public pensions can be index-linked and paid 12, 13 or 14 times a year. Choose from 13 countries and regions, such as Japan, the US, the UK, Germany or Spain, to switch the currency, the pension start age and the number of payments (taxes are still not modeled) • Apple Watch app and complications keep your latest result on your wrist • On iOS 26 devices an on-device model writes a short explanation of your result. Nothing is sent anywhere NOTE This app is a simulation for general information and learning purposes. It does not recommend specific financial products or advise on the timing of trades. Results are calculations based on the assumptions you enter and do not guarantee future investment performance. The series used in "Historical" mode is a bundled sample (synthetic data), not real market data.

老後資金は足りるのか。年金はいくらもらえるのか。保険は本当に必要なのか。 「FPいらず」は、その3つを自分で計算できる、保険を売らない中立のライフプランアプリです。 ■年金計算と老後資金 年齢・働き方・手取り年収・リタイア予定年齢を入れるだけで、老齢基礎年金と老齢厚生年金の見込み額を自動で概算します。65歳からの年金と生活費を突き合わせ、95歳までに老後資金がいくら足りないか、資産が底をつく年はいつかを一目で確かめられます。 ■こんな方へ ・老後資金がこのままで足りるのか、年金がいくらになるのか知りたい ・保険の見直しをしたいが、相談先が保険を売ってくる ・自分にいくらの保障が必要なのか分からない ・教育費と老後資金を同時に見通したい ・外貨建て保険やオフショア積立を勧められて迷っている ■3つの機能 ◎ライフプラン(年金計算・老後資金) 生涯(95歳まで)のキャッシュフロー表、子どもの教育費、老後資金の過不足をシミュレーション。年金の見込み額と老後の生活費を並べて、毎年の過不足と資産の推移をグラフで見える化します。 ◎保障診断 万一のときに遺族へ必要なお金から、遺族年金・貯蓄・配偶者の収入を差し引いて、追加で備えるべき保障額を算出。遺されるのが妻か夫かで変わる遺族年金の条件(中高齢寡婦加算、遺族厚生年金を受け取れる年齢)も反映します。あなたに合う保障の"種類"(収入保障・定期・医療・就業不能)を、金額の目安つきで提案します。特定の保険商品名は出しません。 ◎見破る 「無料相談」の裏側、外貨建て保険・オフショア積立・ワンルーム投資の危険サイン、そして勧誘されたときに聞き返す5つの質問。不要な契約を防ぐ知識をまとめました。 ■安心の設計 ・保険会社から手数料を受け取りません。広告なし/保険会社への送客なし ・すべて端末内で計算。入力内容は外部に送信しません ・Pro版は月額なし。一度の購入でずっと使えます ※本アプリは一般的な情報提供・シミュレーションであり、特定の保険・金融商品の販売や勧誘(保険募集)、投資助言を行うものではありません。年金額・教育費・生活費はいずれも一般的な統計と簡易な計算式に基づく概算で、実際の受給額や必要額とは異なります。正確な年金見込み額は「ねんきん定期便」やねんきんネットでご確認ください。実際の加入・契約はご自身の判断で行ってください。