Free!bird
iOS app by Hongyu Zhang. Finance · Hongyu Zhang
- Store rating
- 0 / 5
- Store rating count
- 0
- Download price
- Free to download
- In-app purchases
- Unknown
- Version
- 1.0
- Listing last refreshed
- 2026-09-10
View the original store listing
Store description excerpt
Free!bird works out the earliest month you could retire and still be fine — then shows its work. Most retirement tools ask when you want to retire and tell you whether it adds up. This one does the opposite. You describe your money as it actually is, and the date falls out of the arithmetic. WHAT IT DOES • Solves for your earliest safe retirement date, month by month to life expectancy • Tests that date against real market history — every retirement that could have started between 1872 and today • Tells you what would move it: work longer, or spend less, with the figures • Explains every number, down to the rules that produced it TESTED AGAINST HISTORY, NOT A GUESS An 8% return assumption is an average nobody actually lives through. Free!bird replays your plan across more than 150 years of real market returns and real inflation, including 1929 and the 1966 inflation years, and tells you how many of those retirements your money survived. If some of them failed, it names the eras that broke the plan — and, with Premium, works out how much longer you would have had to work, or how much less you would have had to spend, to get through all of them. BUILT AROUND YOUR ACTUAL LIFE A mortgage that ends at 68. Four years of tuition. A house sale. Spending more in the early years and less later. Social Security starting at 67. Each is a rule with its own timing, and each shows up in the projection where it belongs. EVERYTHING STAYS ON YOUR PHONE No account. No sign-in. No analytics. No servers. Your salary, your balances and your plans are stored on your device and are never transmitted anywhere — which is also why there is nothing to leak. FREE • Your plan, projected to life expectancy • The earliest-retirement date and the target behind it • The full history test, including which periods failed • Two plans, side by side PREMIUM — $19.99 a year • Rules of your own beyond the ones your plan starts with • Phases within a rule, for spending that changes over time • Federal tax modelling, and early access to retirement accounts • As many plans as you like • Export every month of the projection to CSV • The countdown on your home screen • What it would take to survive every stretch of history The yearly price keeps the tax tables and the market record current. NOT ADVICE Free!bird produces projections from your own assumptions and simplified tax modelling. Past market results do not guarantee future ones. It is not financial, tax, or legal advice, and it is not a substitute for a professional who knows your situation. SUBSCRIPTION TERMS Free!bird Premium is $19.99 per year, charged to your Apple ID at confirmation of purchase. It renews automatically unless cancelled at least 24 hours before the current period ends. Manage or cancel in your Apple ID settings. Deleting the app does not cancel a subscription. Terms of Use (EULA): https://hzhang2906.github.io/FreeBirdSupport/terms-of-use Privacy Policy: https://hzhang2906.github.io/FreeBirdSuppor
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