FIRE Path vs Pocketly

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

Pocketly — Expense Tracker & Budgets Take control of your money without the spreadsheet headache. Pocketly makes tracking expenses so fast and simple you'll actually stick with it — snap a receipt, log a purchase, and instantly see where every dollar goes. Whether you're trying to save more, stop wondering where your money went, or just stay on top of the bills, Pocketly gives you a clear picture of your finances in seconds. SNAP & GO RECEIPT SCANNING Point your camera at any receipt and let Pocketly do the typing. Merchant, amount, and date are captured automatically — no more manual entry, no more shoebox of paper receipts. EXPENSES, EFFORTLESSLY LOGGED Add an expense in seconds with smart categories, merchant suggestions, notes, and tags. Log expenses in any currency and they're converted to yours automatically — perfect for travel and everyday life alike. ANALYTICS THAT ACTUALLY MAKE SENSE See your spending broken down by category, track daily averages, and spot trends before they cost you. A clear monthly overview shows exactly where your money is going. FINANCIAL HEALTH SCORE Get a simple, at-a-glance score that tells you how you're really doing — and practical insights on how to improve it over time. BUDGETS & GOALS Set budgets that keep you on track and savings goals that keep you motivated. Watch your progress and celebrate the wins. TRIP & EVENT TRACKING Group expenses by trip or event to see exactly what that vacation, wedding, or weekend away really cost. PRIVATE BY DESIGN Your financial data stays yours. Lock the app with Face ID, Touch ID, or a PIN. Everything works offline and lives on your device; cloud backup is opt-in, and receipt photos are only sent for processing when you use smart scanning — the on-device scanning mode never uploads anything. MAKE IT YOURS Choose from beautiful themes and color palettes to match your style — including a sleek Midnight mode. WHY YOU'LL LOVE POCKETLY • Lightning-fast receipt scanning • Clean, intuitive design • Powerful analytics without the clutter • Enter expenses in any currency • Biometric app lock for privacy • No account required to get started Download Pocketly today and finally feel in control of your money. --- Pocketly is completely free — every feature included. Smart receipt scanning includes 10 AI-powered scans per month; unlimited on-device scanning is always available. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://pocketly.flourixlab.com/privacy