Most people guess. Some use a generic formula. Neither works. Your life is unique — your FIRE plan should be too.
Apex FIRE Planner models your actual finances — assets, debts, income, expenses — and runs 2,000 Monte Carlo simulations to show you exactly when financial independence is within reach.
The famous "4% rule" says you need 25× your annual expenses to retire. Simple? Yes. Accurate for you? Almost certainly not.
It ignores your multi-currency portfolio. It doesn't know about your mortgage payoff date, your pension start age, or the $200K you'll need for your kids' university. It assumes a 30-year retirement — but what if you're retiring at 40?
You deserve a plan built on your actual life — not a formula from a 1994 research paper.
The same methodology used by pension funds and wealth managers — now private, portable, and free to start.
Model your actual assets across 14 categories, debts with payoff schedules, multiple income streams, and categorized expenses — each with its own inflation rate.
Markets don't move in straight lines. See the full probability distribution of your retirement outcomes — not just one optimistic guess.
Assets in USD, EUR, JPY, GBP, TWD or any of 52 currencies. Automatic daily institutional reference rates. Your global portfolio, unified.
See your earliest viable retirement age, plan survival rate, and most vulnerable years — so you know where your plan stands and what to change.
Model one-time expenses like a new car, home renovation, or university tuition. See their direct impact on your retirement timeline and survival rate.
Automatic monthly snapshots with 5 chart views, growth metrics, CAGR, and FIRE milestone markers. Watch your wealth compound over time.
This is the most sensitive data you own. We built the entire architecture around one principle: it stays with you.
All data lives on your device, encrypted at rest with AES-256-GCM.
No sign-up, no email, no phone number — ever.
Zero telemetry. No analytics SDK. No crash reporting. We don't even know you exist.
No advertising SDK. No behavioral tracking. Your data is never sold or shared.
Export passphrase-protected backups to USB, cloud drive, or AirDrop. You choose where it goes.
Three illustrative plans calculated by Apex's production engine using 2,000 paths and the app's default assumptions.
NT$4.5M retirement portfolio, NT$1.8M annual income, NT$600K annual spending, and NT$240K/year Labor Pension starting at 60.
The 25× rule gives a NT$15M target, but ignores a 62-year horizon, pension timing, and sequence-of-returns risk.
Apex normalized her investments to TWD, modeled NT$1.2M annual contributions and pension income at 60, then tested the complete plan through age 90.
£850K retirement portfolio, £75K annual savings, £72K annual spending, £18K/year Lisbon rent, and two £75K university costs in years 6 and 7.
A simple 25× net-spending estimate gives £1.35M, but leaves out the university costs, pension timing, and market-path risk.
Apex included £18K annual rent in retirement, £24K/year state pensions from 67, both education costs, and the complete multi-currency portfolio.
€260K retirement portfolio, €25K annual savings, €36K annual spending, and a planned €15K/year consulting income after leaving full-time work.
He hoped to leave full-time work at 45. A 25× estimate of the €21K annual gap says €525K, without testing a 45-year retirement.
Apex normalized his portfolio to EUR, treated consulting as ongoing retirement income, and tested €36K spending across 2,000 market paths.
From download to your personalized FIRE plan in minutes.
Add your assets, debts, income streams, and expenses. Each entry supports advanced parameters — interest rates, growth assumptions, inflation rates, tax treatment, and more.
Apex runs a full Monte Carlo simulation using your data. In under 2 seconds, you see the probability distribution of your financial future — not just one scenario, but thousands.
See your model-calculated FIRE number, recommended retirement age, survival rate, and milestone timeline. Adjust assumptions instantly with what-if scenarios.
| Generic Calculators | Apex FIRE Planner | |
|---|---|---|
| Return Model | Fixed rate (e.g. 7%) | 2,000-path Monte Carlo simulation |
| FIRE Number | Expenses × 25 | Model-derived from your actual cash flows |
| Currency | Single currency | 52 currencies with daily reference rates |
| Retirement Accounts | US-focused only | Global: 401k, iDeCo, NISA, ISA, Super… |
| Future Expenses | Not supported | One-time expenses with Monte Carlo impact |
| Income Modeling | Single static amount | Multiple streams with start/end ages |
| Risk Analysis | None | Probability-based, configurable depletion risk |
| Your Data | Uploaded to their servers | 100% on your device. Always. |
Everything you need to start planning.
For serious planners who want the full picture.
Straight answers about financial independence, probability-based planning, and how Apex handles your data.
FIRE stands for Financial Independence, Retire Early. Financial independence means your assets and other reliable income can support your chosen lifestyle without depending on a full-time salary; whether you retire, change careers, work part-time, or keep working is entirely your choice.
Traditional FIRE targets your planned lifestyle. LeanFIRE assumes lower spending; FatFIRE allows a larger buffer and higher spending. CoastFIRE means current investments may grow to fund retirement without further contributions, while BaristaFIRE combines investments with ongoing part-time income.
There is no universal number. Your target depends on future spending, retirement length, asset mix, taxes, inflation, pensions, debt, major one-time costs, and the margin of safety you want. Apex models these cash flows together instead of relying only on an expenses-times-25 shortcut.
The 4% rule is only a simple first-pass estimate—not a personalized answer or a guarantee. A more rigorous plan uses your real assets, debts, income, spending, taxes, inflation, timeline, and risk assumptions, then tests how those cash flows behave across many market paths. That is the approach Apex is built to support.
It tests your plan across 2,000 varied market paths rather than assuming returns arrive smoothly every year. The result shows a range of possible outcomes and how often your plan remains funded under the assumptions you entered; it does not predict which path markets will follow.
There is no single correct threshold. A higher rate usually requires more savings, lower spending, later retirement, or greater flexibility. Interpret it alongside your essential spending, backup income, willingness to adjust, time horizon, and the consequences of a shortfall—not as a pass/fail grade.
Spending, retirement date, return and volatility assumptions, inflation, taxes, fees, and lifespan can all be decisive. Pension timing, mortgage payoff, future education or healthcare costs, and other cash flows also matter. Test conservative and optimistic scenarios rather than relying on one setup.
You can record assets and cash flows in their native currencies and view a unified plan in your base currency. Exchange rates help normalize today’s values, but future currency movements remain uncertain, so globally exposed users should test less favorable rate assumptions and maintain appropriate buffers.
Review it on a regular schedule and after meaningful changes such as a new job, move, major purchase, inheritance, market shock, or change in retirement goals. Updating monthly balances can improve net-worth tracking; revisiting long-term assumptions once or twice a year is often more useful than reacting to every market move.
Your financial records stay on your device and are encrypted at rest with AES-256-GCM. Apex requires no account and includes no advertising, analytics, or behavioral-tracking SDK, so your planning data is not uploaded to an Apex cloud account.
Because Apex does not keep a cloud copy, it cannot recover data from a lost device. Premium lets you export a passphrase-protected encrypted backup and import it on another device. Keep the backup and passphrase separately in locations you control.
No. Apex is an educational planning and simulation tool. Its outputs are hypothetical, depend on your inputs and assumptions, and cannot guarantee investment performance or retirement outcomes. Consult qualified financial, tax, or legal professionals for advice specific to your circumstances.
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