8月31日 的 Mochiru: Retirement Simulator 應用程式分析

Mochiru is a fully offline retirement asset longevity simulator covering your whole financial lifecycle: accumulation, retirement, and drawdown. It answers one question with Monte Carlo simulation: how long will your money last? WHO IT IS FOR - You want to see, in numbers, how many years your retirement assets will last - You are planning FIRE / early retirement and want distributions, not a single optimistic line - You want a drawdown plan that includes your pension, on your own assumptions - You want everything on-device: no account linking, no sign-up WHAT YOU CAN DO - Visualize success rate, depletion probability, asset longevity, and terminal wealth as a fan chart - Enter your public pension (claiming age 60-75) and other regular income; income is deducted from required withdrawals - Switch between four withdrawal strategies: fixed amount, fixed rate, dynamic guardrail, floor and ceiling - Inverse analysis: solve the withdrawal amount that meets a target success rate (80-95%) - Sensitivity analysis: sweep withdrawal rate, retirement age, and equity ratio - Actuals tracking: log your total assets and compare reality with the plan - Share your result as a single image (free) - 3-question quick start gets you to your first result in seconds - Siri Shortcuts to check your success rate or rerun the simulation PREMIUM (one-time purchase, no subscription) - Sequence-of-returns risk analysis, currency-hedge comparison, historical backtest - Unlimited scenario saving and side-by-side comparison, PDF report export, higher simulation path counts WHY MOCHIRU - Built for JPY-based investors holding USD equities: it preserves the crash correlation where falling stocks and a strengthening yen hit your assets at the same time - a risk that simple "expected return plus risk" tools often miss - Parametric assumptions plus historical block-bootstrap sampling PRIVACY - All calculation, input, and records stay on your device. Zero data collection, no account linking, no sign-up. The app uses the network only to purchase, to restore a purchase, and to open the legal pages. IN THIS VERSION • Back up and restore your data, and delete everything, from Settings • Onboarding now asks what you will spend each year in retirement, and the result screen shows what to change when the success rate is low • Pick the date on an entry, so you can fill in past balances; entries can now be edited • Your last result is saved and shown as soon as you open the app • The chart's vertical axis now follows the median and the p25–p75 band instead of being squashed by the top outliers • New glide path: lower your equity share as you age • Purchases and restores always report their result on screen NOTE This app is a simulation for general information and learning purposes. It does not recommend specific financial products or advise on the timing of trades. Results are calculations based on the assumptions you enter and do not guarantee future investment performance.