28–45
The FIRE Planner
"Can I retire at 55 with € 500/month contributions?"
Lives in
Presets → Compare → Withdrawal planning
iOS 18.2+ · waitlist open
Plan your FIRE.
Plan your FIRE.
Visualize every fee.
Finvestu is a native iOS calculator for investment scenarios — lump sum, monthly contributions, fees, withdrawals. Made for people who want a real answer, not a spreadsheet.
- Languages
- 6
- Price
- Free
- Privacy
- On-device
9:41 FIRE plan
End balance · real
€ 742 380
after 20 years · fee drag −€ 58 900
Lump
€ 10k
Monthly
€ 500
CAGR
7.0 %
Horizon
20 y
The problem
You're planning 20+ years of your money. The tool should earn that trust.
- Fees vanish in the math
- Most retirement calculators add fees as a simple "−1 % per year". Finvestu models entry load, TER, custody, and transaction fees separately — because that's how brokers charge them.
- Withdrawals are an afterthought
- FIRE calculators stop at accumulation. Finvestu plans the drawdown too — Bengen 4 %, percent of balance, or fixed €/month — so you see when the portfolio actually runs out.
- Your data shouldn't be someone else's product
- Portfolios live on your device, sync across your iPhone and iPad via iCloud, and leave no analytics breadcrumbs. The AI narrative runs locally on-device.
What's inside
Everything a planner needs. Nothing a marketer invented.
- Fee-drag visualization
- Two side-by-side curves — with and without fees. See exactly how much a 1.5 % TER costs over 30 years.
- DCA + step-up contributions
- Monthly, quarterly, or annual contributions. Auto-bump 3 % per year to model salary growth.
- Three withdrawal strategies
- Bengen with inflation adjustment, fixed %, or flat €/month. Triggers by month, date, or portfolio balance.
- Real vs Nominal toggle
- Switch the hero balance between nominal euros and today's purchasing power. Uses Fisher for real CAGR.
- Compare up to 4 portfolios
- Stack them on one chart, see which beats the bank, which compounds fastest, which fees kill.
- Private by design
- Your scenarios live on your device + iCloud. No accounts, no tracking, no ads. On-device AI narrative.
How it works
Three fields to start. Every detail when you need it.
- 01
Create
Pick a preset (FIRE, retirement, ETF DCA, kids' fund, bond-heavy) or start from scratch with three fields: name, horizon, monthly contribution.
- 02
Adjust
Tap pills to tweak lump sum, rate, or horizon. Open Advanced for a piecewise return curve, per-category fees, withdrawal strategies, inflation, and goals.
- 03
Compare
Save variants ("+ higher fees", "+ longer horizon"), pin 2–4 portfolios side by side in Insights, and let the on-device AI explain the difference in plain language.
Who it's for
Built for three kinds of planners.
Any
The Fee Auditor
"How much is my current broker's 1.5 % TER actually costing me?"
Lives in
Fees → FeeDrag chart → Sensitivity
50+
The Retirement Modeler
"Will my portfolio survive 30 years of 4 % withdrawals in Europe?"
Lives in
Bengen → Withdrawal run-out → Real mode
Privacy
Your money plans stay your business.
Finvestu doesn't want your data because it doesn't need it. The engine runs on your iPhone. Scenarios sync through iCloud with your Apple ID. No servers of ours are ever involved.
- No account
- No email. No password. No cloud service pretending to need your ID.
- On-device AI
- Foundation Models (Apple Intelligence) runs locally on iOS 26+. Template fallback otherwise.
- iCloud, not ours
- Your portfolios sync through your Apple ID. We never see them.
- No ads, no trackers
- The app ships zero analytics SDKs. The website uses privacy-first Cloudflare Web Analytics.
FAQ
Answers, not asterisks.
Is Finvestu free?
Yes. Finvestu is free to download and use. There are no in-app purchases, no subscriptions, and no "pro" features locked behind a paywall.
Is this financial advice?
No. Finvestu is a calculator for illustration only. It does not execute trades, recommend securities, or replace a licensed financial advisor. All results assume inputs you provide — not a prediction of market behavior.
Which markets and currencies does it support?
You choose the currency per portfolio (EUR, USD, CZK, PLN, HUF, or any ISO 4217 code). Return rates are assumptions you enter — Finvestu doesn't fetch live market data.
What iOS version do I need?
iOS 18.2 or newer. On iOS 26+ the AI narrative uses on-device Foundation Models; on older versions it falls back to a deterministic template summary.
Does it sync across iPhone and iPad?
Yes, via iCloud and your Apple ID. Turn on iCloud Drive in Settings.app and portfolios appear on every device signed into the same Apple ID. Handoff lets you open a portfolio started on iPhone directly on iPad.
Does Finvestu work offline?
Yes. The engine, charts, and AI narrative all run locally. iCloud sync resumes when you're back online.
Can I export my data?
Yes. Each portfolio exports as a .finvestu JSON file, and the Detail screen exports a PDF report. You can also export a CSV of the month-by-month breakdown for Excel or Numbers.
What languages are supported?
English, Slovak, German, Czech, Polish, and Hungarian. The app respects your device language; pick a specific language in Settings to override.
Your first portfolio in under a minute.
Join the waitlist and get one email when Finvestu is ready for early access.
No newsletter cadence, no tracking pixel. We use your email only to notify you about early access or launch availability.