FinanceFreedom: FIRE Planner

Plan your path to financial independence with everyday numbers. FinanceFreedom brings expense tracking, budgets, net worth and FIRE retirement planning together, so you can see where you stand and explore what could change your timeline.

FIRE progress and retirement paths
Track asset progress, the gap to your target and your estimated full retirement date. Compare Standard, Lean, Fat, Barista and Coast FIRE, with separate milestones for semi-retirement and full retirement.

Assets over time
Record asset and liability snapshots, review your asset mix and follow changes in net worth. See which assets count toward your FIRE plan.

Budgets that carry forward
Set category budgets, review spending details and compare your budget with actual spending. Continue monthly budgets and track balances carried into later months.

Scenarios and retirement resilience
Adjust savings, investment returns, inflation and withdrawal assumptions. Save and compare scenarios, then explore uncertainty with Monte Carlo simulation, historical backtesting and stress tests.

Voice entry you can review
Speak an income or expense, edit the transcript and check the amount, date and category before saving. Cloud AI requires a configured AI service and your consent; recognition results should be reviewed.

Personal and shared ledgers
Organize entries with custom categories and notes, search your history and review income and spending reports. Share a ledger with family members using different Apple Accounts.

Privacy and Pro
Keep financial records on your device and optionally enable iCloud sync. Cloud AI sends the data needed for recognition to your chosen provider only with your consent.
The free version includes ads and usage limits. Some features, including budget carryover, shared ledgers and CSV export, require Pro. Pro is available through subscriptions or a lifetime purchase. Subscriptions renew automatically unless canceled in your Apple Account settings.

Projections are estimates based on your inputs and assumptions, not guaranteed retirement dates or investment returns.

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