i know percent
-26%
$1.07
$0.79
Finance
Free
Kelo - FIRE Retirement Planner
by Gurinder Singh
Description
Kelo is a privacy-first FIRE retirement planner that runs 100,000 Monte Carlo simulations on your iPhone — no signup, no bank logins, no tracking.
Most retirement calculators use a single assumed rate of return and call it a day. Bank-connected trackers want your login credentials and sell your data. Neither helps you stress-test early retirement against the real history of markets.
Kelo is different. Every simulation runs on 98 years of historical US market data (1928 to present) using the same block-bootstrap method researchers use for retirement research. Nothing leaves your device.
WHAT YOU GET
• Rich, Broke or Dead? — actuarial survival overlay shows the 3-way split (funded, broke, deceased) for every future year, so you see if your money will outlast you — powered by SSA Period Life Tables (Free)
• 100,000 Monte Carlo runs on your iPhone
• Full FIRE, Barista FIRE, and Coast FIRE modes
• Three withdrawal strategies: Constant Dollar, Guyton-Klinger guardrails, and Floor / Ceiling
• Social Security claim-age modeling at 62, 67, and 70 — with COLA and NPV delta
• ACA MAGI cliff visualization with premium estimates and subsidy waterfall
• Side-by-side scenario comparison (Pro)
• PDF scenario export (Pro)
• Home-screen widget showing your FIRE progress ring
• Optional encrypted iCloud sync — off by default
• Compare to History — run your plan against 1966, 2000, or 2008 cohort returns to stress-test SORR (Free)
WILL YOUR MONEY OUTLAST YOU?
For most FIRE planners, a long, well-funded retirement is far more likely than running short — the antidote to one-more-year anxiety. Rich, Broke or Dead overlays SSA actuarial life tables to split each year into alive & funded, alive & broke, and deceased. Free. Based on public actuarial data, not a personal health prediction.
WHAT IF YOU RETIRED IN 2000?
1966 and 2000 are the FIRE community's worst-case SORR benchmarks — stagflation and the dot-com+GFC sequence. Compare to History overlays your exact plan on those returns. One verdict line on your Monte Carlo fan: green if the cohort survived your horizon, red if it depleted. No fabricated returns. Free.
HOW IT WORKS
1. Enter your portfolio, savings rate, and target spending
2. Pick a FIRE mode and stock / bond allocation
3. Run the simulation — see your success rate, median trajectory, and percentile fan chart
4. Save scenarios, compare them, and tune until you're confident
PRICING & SUBSCRIPTION TERMS
Kelo is free to download and use. A Pro subscription unlocks the full toolkit:
• $6.99 / month or $49.99 / year
• 1-month free trial
• Up to 5 saved scenarios, Barista & Coast FIRE, Guyton-Klinger, Floor / Ceiling, 50- and 60-year horizons, full percentile bands, NPV delta, full ACA subsidy waterfall, scenario comparison, PDF export, and widget quick-update
Payment charges to your Apple ID. Subscription auto-renews unless cancelled at least 24 hours before the period ends. Manage or cancel anytime in Settings.
By subscribing, you agree to Apple's standard Terms of Use (EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
PRIVACY, BY DESIGN
• No analytics. No telemetry. No third-party SDKs.
• No bank connections. No account required.
• No network calls from the simulation engine.
• Optional iCloud sync uses Apple's end-to-end encrypted CloudKit private database — your data, your Apple ID, nobody else's.
LEGAL
Privacy Policy:
https://www.kelofireplanner.com/privacy
Terms of Use (EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Additional Terms:
https://www.kelofireplanner.com/terms
DISCLAIMER
Kelo provides educational projections based on historical data. Past performance does not guarantee future results. This is not financial advice. Kelo is not a registered investment advisor, broker-dealer, or tax professional. Consult a qualified financial advisor for personalized guidance.
Plan your freedom privately. Download Kelo and run your first simulation in under a minute.
Most retirement calculators use a single assumed rate of return and call it a day. Bank-connected trackers want your login credentials and sell your data. Neither helps you stress-test early retirement against the real history of markets.
Kelo is different. Every simulation runs on 98 years of historical US market data (1928 to present) using the same block-bootstrap method researchers use for retirement research. Nothing leaves your device.
WHAT YOU GET
• Rich, Broke or Dead? — actuarial survival overlay shows the 3-way split (funded, broke, deceased) for every future year, so you see if your money will outlast you — powered by SSA Period Life Tables (Free)
• 100,000 Monte Carlo runs on your iPhone
• Full FIRE, Barista FIRE, and Coast FIRE modes
• Three withdrawal strategies: Constant Dollar, Guyton-Klinger guardrails, and Floor / Ceiling
• Social Security claim-age modeling at 62, 67, and 70 — with COLA and NPV delta
• ACA MAGI cliff visualization with premium estimates and subsidy waterfall
• Side-by-side scenario comparison (Pro)
• PDF scenario export (Pro)
• Home-screen widget showing your FIRE progress ring
• Optional encrypted iCloud sync — off by default
• Compare to History — run your plan against 1966, 2000, or 2008 cohort returns to stress-test SORR (Free)
WILL YOUR MONEY OUTLAST YOU?
For most FIRE planners, a long, well-funded retirement is far more likely than running short — the antidote to one-more-year anxiety. Rich, Broke or Dead overlays SSA actuarial life tables to split each year into alive & funded, alive & broke, and deceased. Free. Based on public actuarial data, not a personal health prediction.
WHAT IF YOU RETIRED IN 2000?
1966 and 2000 are the FIRE community's worst-case SORR benchmarks — stagflation and the dot-com+GFC sequence. Compare to History overlays your exact plan on those returns. One verdict line on your Monte Carlo fan: green if the cohort survived your horizon, red if it depleted. No fabricated returns. Free.
HOW IT WORKS
1. Enter your portfolio, savings rate, and target spending
2. Pick a FIRE mode and stock / bond allocation
3. Run the simulation — see your success rate, median trajectory, and percentile fan chart
4. Save scenarios, compare them, and tune until you're confident
PRICING & SUBSCRIPTION TERMS
Kelo is free to download and use. A Pro subscription unlocks the full toolkit:
• $6.99 / month or $49.99 / year
• 1-month free trial
• Up to 5 saved scenarios, Barista & Coast FIRE, Guyton-Klinger, Floor / Ceiling, 50- and 60-year horizons, full percentile bands, NPV delta, full ACA subsidy waterfall, scenario comparison, PDF export, and widget quick-update
Payment charges to your Apple ID. Subscription auto-renews unless cancelled at least 24 hours before the period ends. Manage or cancel anytime in Settings.
By subscribing, you agree to Apple's standard Terms of Use (EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
PRIVACY, BY DESIGN
• No analytics. No telemetry. No third-party SDKs.
• No bank connections. No account required.
• No network calls from the simulation engine.
• Optional iCloud sync uses Apple's end-to-end encrypted CloudKit private database — your data, your Apple ID, nobody else's.
LEGAL
Privacy Policy:
https://www.kelofireplanner.com/privacy
Terms of Use (EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Additional Terms:
https://www.kelofireplanner.com/terms
DISCLAIMER
Kelo provides educational projections based on historical data. Past performance does not guarantee future results. This is not financial advice. Kelo is not a registered investment advisor, broker-dealer, or tax professional. Consult a qualified financial advisor for personalized guidance.
Plan your freedom privately. Download Kelo and run your first simulation in under a minute.
What's new (v1.2.0)
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.
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.
