Mitoshi - FIRE Simulator
Savings, Drawdown & Life Plan
Free · In‑App Purchases
Mitoshi is a FIRE (Financial Independence, Retire Early) simulator that shows your whole financial life in one chart, from saving and investing to drawing down your money in retirement.
Plan by life stage, design your retirement drawdown freely, compare your real progress against the plan, and see four FIRE styles side by side to map out a future that fits your life.
Just enter your current assets, monthly savings, and expected rate of return to see "when you can reach FIRE" and "whether your money will last through retirement."
[Key Features]
- Plan by Life Stage: Split your life into stages (single, married with kids, retired, and more) and set savings, living expenses, returns, and inflation for each one, so your projection follows the way your life actually changes.
- Flexible Drawdown: Model retirement exactly the way you want by combining living expenses, recurring income such as pensions, life event costs, and loan repayments.
- Track Your Real Progress: Log your actual balances every month and see at a glance how you are tracking against your projection and your goal.
- Compare 4 FIRE Styles: See Fat, Lean, Side, and Coast FIRE side by side, with the timing and asset path of each.
- Automatic Savings Recommendations: If your assets are projected to run out too early, the app calculates the monthly savings you need to reach FIRE and applies it to your plan with one tap.
- Lifetime Projection Charts: Follow your net worth seamlessly from the accumulation phase through retirement drawdown.
[In-App Purchases]
The core features are free. iCloud sync and advanced simulation features are available through one-time in-app purchases (FIRE Plus / FIRE Pro).
[Disclaimer]
The projections and results provided by this app are for educational and informational purposes only. They do not constitute financial advice.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
- Added support for iPhone Duo
- "Die With Zero" estimates now match the chart
- Adjusted Detailed Simulation behavior
- Minor bug fixes
The developer, Reo Azuma, 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 Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Reo Azuma
- Size
- 10.3 MB
- Category
- Finance
- Compatibility
Requires iOS 27.0 or later.
- iPhone
Requires iOS 27.0 or later. - iPad
Requires iPadOS 27.0 or later.
- iPhone
- Languages
- English and Japanese
- Age Rating
4+
- 4+
- Contains
User-Generated Content
- In-App Purchases
Yes
- Upgrade to FIRE Pro $5.99
- FIRE Pro $11.99
- FIRE Plus $5.99
- Copyright
- © 2026 Reo Azuma
