Kelo - FIRE Retirement Planner
iOS app by Gurinder Singh. Finance · Gurinder Singh
- Store rating
- 0 / 5
- Store rating count
- 0
- Download price
- Free to download
- In-app purchases
- Unknown
- Version
- 1.2.1
- Listing last refreshed
- 2026-09-12
View the original store listing
Store description excerpt
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
Review coverage
AppRill has captured 0 reviews for this app. This is a collected sample, separate from the store rating count. Latest review capture: Not captured yet.
Recent captured chart positions
No chart positions have been captured for this app yet.
Chart position, rating count and review coverage do not establish downloads, revenue or profit. Understand the differences.