Retire Goals
Retirement & FIRE Calculator
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
See the odds your plan works, not just an average. Every goal now runs a Monte Carlo projection, plots what you've logged, and shows it all in your own currency.
Know the day you can retire — and the odds you'll get there.
Retire Goals is a retirement planner and FIRE calculator in one. Pick a savings goal, log contributions as you make them, and a compound growth projection turns your plan into a date you can watch approach. No account, no spreadsheet, no sales pitch.
A DATE, NOT JUST A BALANCE
Every goal shows a projected finish date, a growth curve, and milestone dates at 25%, 50%, 75% and 100%. Log a contribution and the whole timeline moves — that ten-second habit is the entire app.
THE ODDS, NOT JUST AN AVERAGE
A single "7% a year, every year" line is a story markets never tell. Every goal also runs through hundreds of randomised return sequences and reports how often your plan actually lands on target.
GOALS THAT FIT HOW YOU INVEST
Eight templates with sensible market defaults: S&P 500 index investing, index funds, 401(k) workplace plans, Roth IRAs, dividend portfolios, monthly passive income, FIRE targets, or fully custom plans. Track them all side by side.
CLAIM YOUR EMPLOYER MATCH
A 401(k) goal models the match the way your plan words it — "50% of the first 6%" — folds it into the projection, and tells you when contributing a little more would collect the rest.
FIVE CALCULATORS, ZERO SPREADSHEETS
• Compound Growth — see $500 a month become $1 million, with 10/20/30-year projections
• FIRE Number — annual expenses ÷ withdrawal rate: how much is enough?
• Coast FIRE — the amount that grows to your number with no further saving
• Dividend Income — the portfolio you need for your target monthly income
• Will My Money Last — how many years your portfolio covers once you start spending it, and what you could safely spend for thirty years
• Optional inflation toggle restates every projection in today's dollars
SEE THE HABIT, NOT JUST THE PLAN
Every contribution you log is plotted — how much you've put in, across how many contributions, and what that averages per month. The projection shows where a goal is going; this shows how it actually got here.
BUILD THE SAVING HABIT
Weekly contribution streaks, one-tap "usual amount" logging, milestone celebrations with confetti, shareable progress cards, and optional reminders that mention your actual goals — never generic nags.
LIVE MARKET DATA (OPTIONAL)
Add a free API key to see S&P 500 performance right on your dashboard.
BUILT FOR THE FIRE COMMUNITY
Traditional retirement, Coast FIRE, Barista FIRE, or full financial independence — Retire Goals speaks your language and never judges your timeline.
IN YOUR CURRENCY
Works in your currency — pounds, euros, rupees, yen and more, picked up from your device or chosen in Settings.
YOUR DATA STAYS ON YOUR DEVICE
No accounts. No sign-ups. No bank connections. Everything is stored locally on your phone — export it as JSON to move to a new device, or as CSV to open in any spreadsheet. Your financial plans are yours alone.
Supported by a small banner ad. A one-time Pro upgrade removes ads forever and adds the full projection range on every goal — the pessimistic and optimistic ends, drawn on the chart. No subscriptions, ever.
Retire Goals is a planning tool, not financial advice. Projections are estimates based on the numbers you enter, and simulated returns are not a forecast.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Outlook: every goal now shows how often your plan actually reaches its target across hundreds of simulated market histories — with the likely range drawn on the chart.
New "Will My Money Last?" calculator for the spending years: how long a portfolio covers your costs, and what you could safely spend for thirty.
Your progress, plotted: every contribution you've logged, as a curve instead of a list.
Pounds, euros, rupees, yen and more — amounts now follow your device, or whatever you pick in Settings.
401(k) goals model your employer match, and there's a Roth IRA template.
Export your history as CSV, and a refreshed icon, palette and typography throughout.
The developer, Nelson Lai, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Nelson Lai
- Size
- 57.3 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - iPad
Requires iPadOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Contains
Advertising
- In-App Purchases
Yes
- Retire Pro — Remove Ads $4.99
- Copyright
- © Nelson Lai