iOS 26 · Built for iPhone · No account

A private FIRE planner
for iPhone.

Monte Carlo simulations grounded in 98 years of market data — nothing leaves your device. No account. No tracking. No shared credentials.

Download on the App Store See how it works →
98ySBBI market data
100kruns per scenario
0accounts. ever.
Kelo Results screen on iPhone showing an 89% on-track indicator and a fan chart of portfolio projections from Year 0 to Year 30.

How it works

A single number
tells the truth.

Kelo ships with 98 years (1928–2025) of Stocks/Bonds/Bills/Inflation returns and runs 100,000 block-bootstrapped paths every time you tap Recalculate. You see the full distribution — not a straight line that lies.

01

Enter your numbers, once.

Age, nest egg, savings rate, target spend, allocation. No bank linking, no scraping — the app has no network for that.

02

Choose your path.

Full FIRE (classic retire), Barista FIRE (part-time income bridge), or Coast FIRE (stop contributing, let it ride). Toggle freely.

03

Read the probability, not the vibe.

P10 / P50 / P90 percentile bands. A red dashed failure line. An honest success rate — no "projected" single-line fiction.

04

Model the claim ages that matter.

Social Security NPV across claim ages 62, 67, or 70, COLA-adjusted. ACA MAGI cliff visualized against your early-retirement income target.

The planner

The tools, not the theatre.

Every feature exists because the FIRE community asked for it — and nothing else. No crypto tab. No newsletter signup. No "premium insights" upsell.

01 / Engine

Monte Carlo, not guesswork.

100,000 simulations per run. Block-bootstrapped from 98 years of SBBI data. See the full distribution.

02 / Modes

Full, Barista,
or Coast.

Switch between the three canonical FIRE paths. Model part-time income or no more contributions at all.

Full · Barista · Coast
03 / Withdrawal

Guardrails
that hold.

Constant Dollar (Bengen), Guyton-Klinger guardrails, and Floor/Ceiling Variable — modeled with sequence risk.

04 / Social Security

Claim age
done honestly.

NPV across ages 62, 67, or 70, COLA-adjusted, informed by SSA actuarial data. No gut-feel defaults.

05 / ACA

The 400% FPL cliff,
visible.

See exactly where subsidies phase out against your target early-retirement income. No guessing.

06 / Compare

Two paths,
side by side.

Full-at-55 vs Barista-at-50. Same inputs. Honest deltas. Export a one-page PDF to share with your planner.

Privacy by architecture

We can't see your plan.
By design.

The App Store nutrition label reads "Data Not Collected" for every category — because the app contains no code that would transmit your financial inputs anywhere.

On-device by default.

Every simulation runs locally. We operate no servers that receive your inputs.

Encrypted iCloud sync.

Optional. Keys are yours, via CloudKit. We don't hold them.

Zero network calls.

No analytics, no crash reporting, no third-party SDKs. Nothing.

No account. Ever.

No email. No password. No newsletter. Open the app and you're in.

How Kelo compares

The honest column.

Every other FIRE tool asks you to trust a server with your retirement number. Kelo doesn't need to.

  Kelo Web FIRE tools Aggregator apps
Data stays on device Yes No — cloud No — cloud
Requires account Never Yes Yes
98y historical SBBI data Bundled Varies No
FIRE-native modes Full · Barista · Coast Partial No
100,000 simulations / run Yes Some No
Works offline Always No No

Pricing

Free to try.
Pro when you're ready.

The whole Monte Carlo engine is in the free tier. Pay when you need more scenarios, PDF export, and a quick-update widget.

Free

The full engine. One scenario. Forever.

$0/ forever
No card. No expiry.
  • 1 saved scenario
  • Full FIRE mode
  • 100,000 Monte Carlo runs
  • 30- and 40-year horizons
  • Constant Dollar withdrawals
  • Encrypted iCloud sync
Download free →
SAVE 40% ANNUAL

Pro

For serious planners who model multiple paths.

$6.99/ month
or $49.99 / year · 1-month free trial
  • Up to 5 saved scenarios
  • Barista FIRE & Coast FIRE modes
  • 50- and 60-year horizons
  • Guyton-Klinger & Floor/Ceiling withdrawals
  • 10th / 90th percentile bands
  • Side-by-side scenario comparison
  • Social Security NPV + full ACA waterfall
  • PDF scenario export
  • Widget quick-update
Start 1-month free trial →

For illustrative purposes only. Not financial advice. Read the full disclaimer.

FAQ

Answers, not fluff.

Is this financial advice?

No. Kelo is a simulation tool for personal exploration. It is not a financial advisor, does not execute trades, and does not issue recommendations. Consult a licensed fiduciary before making retirement decisions.

What market data do you use?

The app ships with 98 years (1928–2025) of bundled historical Stocks, Bonds, Bills, and Inflation returns. Each simulation draws multi-year blocks (block bootstrap) to preserve real sequence-of-returns risk. The app never fetches live market data.

Is this better than a spreadsheet?

If your spreadsheet runs 100,000 simulations with realistic sequence risk, Guyton-Klinger guardrails, and an ACA MAGI cliff overlay — no. Otherwise, yes. Kelo is the workbook you'd build if you had a month.

Do you collect any data?

No. The App Store nutrition label reads "Data Not Collected" for every category. No analytics. No crash reporting. No third-party SDKs.

How does iCloud sync work?

Sync uses Apple's CloudKit with your private database. Your data is encrypted in transit and at rest using your iCloud account's encryption keys. We do not possess those keys.

Why no Android or web version?

Because privacy-by-architecture is easier to guarantee on one platform. The simulation engine is Swift, the storage is SQLite on-device, and the sync is CloudKit. No cross-platform server layer to compromise.

Can I cancel anytime?

Yes. Open iPhone Settings → [Your Name] → Subscriptions → Kelo → Cancel Subscription. Pro features remain available until the end of the current billing period.

Plan privately.

Your plan.
Your data.
Your future.

Download Kelo and run your first simulation in under a minute.

Download on the App Store