ミライノート - ライフプラン × FIREシミュレーター

ミライノート

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About this app

【What is Mirai Note?】
A life plan x FIRE simulator app that "visualizes" your future finances.
It automatically calculates the number of days until you achieve financial freedom based on your monthly expenses and assets.
Leave complex financial calculations to the app. Connect your present self to your future self in a single graph.

🔥【New Feature】FIRE Countdown

"When exactly can I achieve FIRE?"

Transform that vague goal into a daily "XX days left."

■ Displays the number of days until your FIRE every day

Automatically calculates your target amount based on your monthly expenses and assets, using five different FIRE types, including the 4% rule (annual expenses x 25).
It calculates the number of days until achievement by taking into account compound interest growth and monthly contributions.

■ Realistic Compound Growth with Four Real-World Indices
• S&P 500 (500 major US companies)
• Orkan (Global stocks)
• NASDAQ 100 (US tech large-cap companies)
• FANG+ (10 large-cap tech companies including FAANG)

Calculated using historical long-term average returns, providing a compelling forecast rather than a "random 5%."
The weighted average annual return is automatically calculated according to the combination of indices held.

■ Asset Progression Graph for At-a-Glance Achievement
A stacked bar graph, color-coded for initial investment, cumulative contributions, and cash, visualizes what will happen and when.
Total assets after 5, 10, 15 years, and at achievement are displayed as milestones.

■ Choose from 5 FIRE types
• Lean FIRE (4% rule)
• Fat FIRE (3% rule)
• Side FIRE (assuming a side hustle)
• Barista FIRE (assuming part-time work)
• Coast FIRE (reaching age 65 without savings)

Each type is explained with its rationale. Choose the goal that suits your lifestyle.

■ One-tap import from your life plan

Automatically input age, monthly expenses, and savings from your existing life plan.

No need to enter data twice.

📊【Life Planning Function】Simulate your future household finances

■ Detailed input across 16 categories
Profile / Income / Living Expenses / Children / Housing / Other Income and Expenses / Savings & Investments /
Accumulated Investment / Debt & Insurance / Pension / Retirement / Care & Medical / Social Security & Taxes /
Risk Analysis / Inheritance & Gifts / Goal Setting

■ Lifetime Cash Flow Table
View your income, expenses, and asset balances year by year in a list.
See your future asset trends at a glance.

■ Life Plan Score
Evaluate your life plan on a 100-point scale. We also provide advice on areas for improvement.

■ Multiple Plan Management
Create and compare multiple scenarios, such as "Maintaining the Current Situation" and "After Home Purchase."

💎【Recommended for those who:】

・Are interested in FIRE (Financial Independence, Retire Early) but are anxious because they can't see when they can achieve it.

・Are worried about having enough money in the future.

・Want to plan for home purchase or education expenses.

・Want to think about retirement planning.

・Want to set asset building goals.

・Want to create their own financial plan.

🔒【Strict Consideration for Privacy】

・All entered data is stored only on your device.

・Except for obtaining index price data, no personal information is sent to external servers.

・No account registration required, free to use.

・Works completely offline (index data is cached from the previous use).

【Notes】
・The calculation results of this app are for reference only.

・The long-term assumed annual interest rate of the index is an estimate based on past performance and does not guarantee the future.

・For actual asset management and life planning, please consult a financial planner or other professional.

・Index price data is delivered daily via Cloudflare Workers.

【Compatible Devices】
Android 7.0 or later

What’s new

🔥 大型アップデート：FIREカウントダウン機能を追加！

■ FIREまでの日数カウントダウン
4指数連動で、あなたのFIRE達成日を毎日表示

■ 資産推移グラフ
複利成長と月積立の合算をマイルストーン付きでグラフ化

■ 5つのFIREタイプ
リーン/ファット/サイド/バリスタ/コースト から選択可能

■ ライフプラン連携
既存プランから年齢・月支出・貯蓄をワンタップ取り込み

■ 新オンボーディング
「FIRE / 老後計画」の目的別に最適な画面へ案内

■ 商用品質の堅牢性
アクセシビリティ・オフライン・エラー耐性を強化