Retire Goals

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.