Export your numbers — and sharper Coast FIRE math. v1.2.1 adds free CSV export: tap the share icon on any results screen to export your full year-by-year projection table — balances, withdrawals, and percentiles for every year of your plan. Open it in Numbers, Excel, or Google Sheets and dig in. No Pro required. This release also fixes Coast FIRE simulations. Running a Monte Carlo in Coast mode now models your growth years — your portfolio compounds from today until your target retirement age before any withdrawals begin — instead of assuming you retire today. Coast plans that are on track now read as on track. Social Security timing in Coast mode is corrected to match. Also in v1.2.1: • The results screen opens on your median projection by default • A quiet, one-tap way to rate Kelo after a successful run — never a nag As always: no bank logins, no signup, no tracking. Your data stays on your device.

What if you retired in 2000? v1.2 adds Compare to History — a free feature that overlays your exact plan against three named historical cohorts: 1966 (stagflation worst-case), 2000 (dot-com collapse → GFC), and 2008 (GFC anchor). Every year on r/financialindependence, someone publishes the running tally for retirees who started in 2000. The FIRE community hand-rolls this analysis in spreadsheets — Kelo now does it for your specific plan, with your portfolio, your spending, and your Social Security and ACA modeling intact. How it works: pick a cohort from the results screen. Kelo runs your plan against that cohort's contiguous SBBI return sequence (1928–2025 data, no resampling, no fabricated returns). The result overlays as a single line on your existing Monte Carlo fan chart — green if the cohort survived your horizon, red if it depleted, amber if history runs out before your horizon ends. The verdict is always labeled: "Survived all 40 years" or "Depleted at year 28 (age 93)." Fully accessible to VoiceOver. This is a free disclosure feature for all users — no paywall, no trial required. Also in v1.2: • 1966 (stagflation), 2000 (dot-com+GFC), and 2008 (GFC) cohorts available at launch • The cohort line is a second series on the fan chart, independently navigable by VoiceOver • Truncated verdict (amber) shown when the cohort's historical data ends before your horizon — Kelo never fabricates returns As always: no bank logins, no signup, no tracking. Your data stays on your device.

Will your money outlast you? v1.1 introduces Rich, Broke or Dead — a free actuarial overlay that answers the question most retirement tools never ask. For each future year, Kelo splits your Monte Carlo outcomes into three probabilities: alive & funded, alive & broke, and deceased, using SSA Period Life Tables. The result is a stacked-area chart showing not just your portfolio survival rate, but how that risk compares to the odds you're still around to spend it. For most FIRE planners, a long and well-funded retirement is far more likely than running short — the antidote to one-more-year anxiety. Sometimes the math says retire already. This is a free feature for all users. No personal health data. No medical claims. Grounded in public actuarial data. Also in v1.1: • The mortality-adjusted success rate now appears as a headline figure — the probability your money outlasts you — alongside the portfolio success rate. • Pro PDF exports now include the Rich, Broke or Dead chart. As always: no bank logins, no signup, no tracking. Your data stays on your device.