RetireOdds vs Ask Nicki

KNOW YOUR ODDS — NOT A GUESS Most retirement calculators give you one rosy number. RetireOdds runs your plan through 1,000 simulated market futures — booms, crashes, inflation and sequence-of-returns risk — and tells you the share of them where your money lasts. That percentage is your Chance of Successs. WHAT YOU CAN DO • Get a real Chance of Success, backed by a 1,000-path Monte Carlo simulation • Track net worth, portfolio, cash flow and spending in one clean dashboard • Import a brokerage CSV (Fidelity, Schwab, Vanguard, E*Trade) for live prices • Scan receipts with your camera — read on-device, nothing is uploaded • See your Years to FI and whether you can retire early • Compare safe-withdrawal strategies: the 4% rule, Guyton-Klinger, Vanguard dynamic, CAPE and more • Stress-test with inflation, market shocks and Social Security timing BUILT FOR FIRE & EARLY RETIREMENT Set your age, target retirement age, portfolio and monthly spending. RetireOdds projects every year to age 95 and shows the median path plus the full range — so financial independence stops being a guess. Perfect for anyone chasing FIRE or asking "how much do I need to retire?" PLANNING TO RETIRE ABROAD? Model an expat retirement with dual-currency budgets, FX shocks and foreign-tax regimes — see whether your money lasts in another country and currency. PRIVATE BY DESIGN • No bank linking — ever • Passkey sign-in with Face ID / Touch ID — no passwords • Receipts are scanned on your device; your financial data stays yours WHO IT'S FOR Anyone asking "can I afford to retire?", "when can I reach financial independence?", or "will my retirement savings last?" — whether you're 25 and starting out or 55 and counting down Enter five numbers. Get your odds. Start free. Privacy Policy: https://www.retireodds.com/privacy Terms of Use (EULA): https://www.retireodds.com/terms

Money finally makes sense. Ask Nicki is the money app for Gen Z. No shame, no jargon, no hype. Just real money help, explained like a text from your smartest friend. ASK NICKI, YOUR POCKET MONEY COACH Ask anything about saving, budgeting, debt, your first paycheck, investing, or how the economy actually works, and get a warm, straight answer, not a lecture. Stressed about a bill? Wondering if you can afford something? Just ask, like you are texting a friend. TRACK IT BY TALKING Tell Nicki what you spent ("dropped $40 on shein") and she logs it for you. Or tap to quick add. At the end of the month, see where your money actually went and whether you are on track, with a recap that is honest and never a guilt trip. DAILY DRIP, MONEY IN 2 MINUTES Short lessons built around what you already do, like doom spending, BNPL, your first paycheck, and betting. Each one lands a single idea and one action, then gets out of your way. No textbooks. No homework. IT ALL STAYS ON YOUR PHONE Your budget, your goals, and your chats live on your device, not our servers. No bank connection. Nothing to sell, nothing to breach. You sign in with Apple, and the only thing that ever leaves your phone is a question you choose to ask Nicki. LEARN WHAT NO ONE TAUGHT YOU Inflation, compounding, index funds, credit, emergency funds, and yes, Bitcoin and sound money, all explained in plain english as ideas to understand, never as pressure to buy anything. Ask Nicki is free to start. Reserve unlocks every lesson and more time with Nicki each day. Make money make sense. Educational information only. Not financial, tax, or legal advice. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/