Retire Goals
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.
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.
The whole loop takes seconds a week — the compounding does the rest.
Eight templates with sensible market defaults — including a 401(k) that models your employer match — or build your own from scratch.
One-tap "usual amount", quick chips, and an instant preview of the progress you just bought yourself.
Every goal shows a projected finish date, a growth curve, and milestones at 25 / 50 / 75 / 100%.
Total portfolio value, years left, this month's contributions and your weekly saving streak — then every goal with its own progress bar underneath.
Log a contribution and the projected date, curve and milestones all move at once.
Cross 25, 50, 75 or 100% and the confetti flies. Share a progress card if you're proud.
A saving habit you can see. Reminders are optional and mention your actual goals, not generic nags.
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.
Every retirement calculator draws one confident line at 7% a year, every year. Markets have never once done that.
Retire Goals runs your plan through hundreds of randomised return sequences and tells you how many of them actually finish at your target. One number, in plain English, with the app's own verdict attached: very likely, on track, could go either way, or needs a bigger push. It runs on your phone in a fraction of a second, and no data leaves the device to do it.
Simulated returns are not a forecast. Past market behaviour does not predict your results.
Each one is two or three inputs and a straight answer — with an optional inflation toggle that restates every projection in today's dollars.
See $500 a month become $1 million, with 10 / 20 / 30-year projections at any return rate.
Annual expenses ÷ safe withdrawal rate — your financial independence number in two inputs.
The amount that grows to your FIRE number by retirement age with zero further contributions.
The portfolio you need for a target monthly income at your dividend yield.
How many years your portfolio covers once you start spending it — withdrawals stepping up each year for inflation — and the amount that would last a full thirty.
Retire Goals never connects to your accounts — you log contributions yourself in seconds, so nothing ever has access to your real money.
Free to use with a small banner ad. A one-time Pro upgrade removes ads forever and adds the full projection range on every goal — no subscriptions, ever.
Yes — every goal, all five calculators and the success-probability outlook are free, supported by a small banner ad. A one-time Pro upgrade removes ads forever and adds the full projection range on every goal. No subscriptions, ever.
No sign-up, no login, no email. Everything is stored on your device, and you can export or import it as JSON anytime — or export a CSV for your own spreadsheet.
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.
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.
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.
Instead of assuming your portfolio returns exactly the same percentage every year, Retire Goals runs your plan through hundreds of randomised return sequences and counts how many finish at or above your target. The result is a probability — an 80% chance, say — rather than a single line markets never actually follow. It runs on your device in a fraction of a second, with no network connection.
That's what the Will My Money Last calculator answers. Enter your portfolio, what you plan to spend in your first year and an expected return, and it simulates the drawdown month by month — stepping your withdrawal up each year for inflation — to show how many years the money covers, and what you could safely spend to make it last thirty.
Yes. A 401(k) goal models the match the way plans actually word it — "50% of the first 6% of salary", for example — folds it into the growth projection, and tells you when contributing a little more would collect the rest of it.
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.
No account. No spreadsheet. Your first goal takes about a minute.