1
Pick a goal that fits
Six templates with sensible market defaults, or build your own from scratch.
S&P 500
Index fund
Dividends
Monthly income
FIRE
Custom
Retire Goals
Free on iOS & Android
Know the day you can retire.
Retire Goals turns "someday" into a date. Set a savings goal, log what you actually put away, and watch a compound-growth projection move the finish line closer with every single contribution. No account, no spreadsheet, no sales pitch.
no account
data stays on your phone
FIRE & Coast FIRE
milestones & streaks
When could you retire?
IllustrativeTime to reach $1M
27 years
around 2053
Target
Assumed avg. annual return
Illustrative math only: a fixed return you picked, compounded monthly — no inflation, taxes or fees. The app runs the same engine with all of that tunable. Not financial advice. Green dots mark the 25 / 50 / 75% milestones the app celebrates.
How it works
Three habits, one finish date.
The whole loop takes seconds a week — the compounding does the rest.
2
Log what you save
One-tap "usual amount", quick chips, and an instant preview of the progress you just bought yourself.
3
Watch the date get closer
Every goal shows a projected finish date, a growth curve, and milestones at 25 / 50 / 75 / 100%.
The dashboard
Your whole retirement on one screen.
Total portfolio value, years left, this month's contributions and your weekly saving streak — then every goal with its own progress bar underneath.
Projections you can feel
Log a contribution and the projected date, curve and milestones all move at once.
Milestones, celebrated
Cross 25, 50, 75 or 100% and the confetti flies. Share a progress card if you're proud.
Weekly streaks
A saving habit you can see. Reminders are optional and mention your actual goals, not generic nags.
Private by design
No account, no bank logins. Everything lives on your device, with JSON export and import.
Optional: add a free API key and the dashboard shows live S&P 500 performance.
Four calculators, zero spreadsheets
The FIRE math, answered in seconds.
Each one is two or three inputs and a straight answer — with an optional inflation toggle that restates every projection in today's dollars.
How long until my target?
Compound Growth
See $500 a month become $1 million, with 10 / 20 / 30-year projections at any return rate.
How much is enough?
FIRE Number
Annual expenses ÷ safe withdrawal rate — your financial independence number in two inputs.
When can I stop saving?
Coast FIRE
The amount that grows to your FIRE number by retirement age with zero further contributions.
Passive income, sized
Dividend Income
The portfolio you need for a target monthly income at your dividend yield.
Yours alone
No bank logins. On purpose.
Retire Goals never connects to your accounts — you log contributions yourself in seconds, so nothing ever has access to your real money.
- No account, no sign-up, no email — ever
- Goals and history stored only on your device
- Export and import as JSON, so a new phone keeps your streak
- Track traditional retirement, Coast FIRE, Barista FIRE or full FI side by side
Free to use with a small banner ad. A one-time Pro upgrade removes ads forever — no subscriptions, ever.
Questions
The short answers.
Is Retire Goals free?
Yes — every goal, calculator and projection is free, supported by a small banner ad. A one-time Pro upgrade removes ads forever. No subscriptions, ever.
Do I need an account?
No sign-up, no login, no email. Everything is stored on your device, and you can export or import it as JSON anytime.
What is a FIRE number?
The portfolio size where work becomes optional: your annual expenses divided by a safe withdrawal rate (the classic rule is 4%, i.e. 25× expenses). Retire Goals calculates it in two inputs and tracks your progress toward it.
What is Coast FIRE?
The point where your existing savings will grow to your FIRE number by retirement age with no further contributions. The Coast FIRE calculator finds that amount, so you know when you could stop saving and let compounding finish the job.
Does it connect to my bank or brokerage?
No — and that's deliberate. You log contributions yourself in seconds; nothing ever has access to your real accounts. Optional S&P 500 market data uses a free API key that you control.
Is this financial advice?
No. Retire Goals is a planning and projection tool. Projections are estimates based on the numbers you enter; markets vary and past performance does not predict future results.
The best day to start was yesterday.
The second best is today.
No account. No spreadsheet. Your first goal takes about a minute.