Kelo - FIRE Retirement Planner

What if you retired in 2000? Stress-test your plan against 1966, 2000, and 2008 cohort returns. Free. On-device. No signup.

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.