Cabova: FIRE & Retirement Tool

Cabova

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About this app

WHAT IS YOUR FREEDOM NUMBER?

Cabova is the financial independence simulator that tells you exactly when you can stop working — and proves it with the math.

Unlike budgeting apps that track your past, Cabova simulates your future. Enter your pensions, savings, and monthly expenses. Cabova projects the precise age at which your pot can sustain you for life.

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🔒 PRIVACY FIRST
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Your financial data never leaves your device. No bank connections. No account required. No cloud. Just powerful projections running entirely on your phone.

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⚙️ KEY FEATURES
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• Freedom Age Engine — Calculate the exact age you can retire based on your real numbers, not assumptions.
• What-If Simulator — Instantly see how a pay rise, lump sum, or extra pension contribution changes your Freedom Age.
• Safe Withdrawal Rate — Model the 4% Rule, 3% Rule, and inflation-adjusted drawdown strategies.
• Pension Portfolio — Consolidate multiple pension pots (DB, DC, PRSA, SIPP) into one projection.
• Net Worth Dashboard — Track liquid and non-liquid assets in a single clean view.
• Inflation Modelling — All projections are inflation-adjusted for real purchasing power.
• Tax-Aware Projections — Built-in logic for Irish and UK pension tax rules (ARF, PRSA, SIPP, AVC).

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👥 WHO IS CABOVA FOR?
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• FIRE community members calculating their Financial Independence number
• Anyone with multiple pension pots wanting a unified picture
• People who want to retire early and need to know the exact gap to bridge
• High earners maximising pension tax relief
• Anyone frustrated with spreadsheets who wants precision without complexity

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🌍 GLOBAL WITH LOCAL DEPTH
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Cabova works for any country using manual inputs, with deep built-in support for Irish and UK pension tax rules.

Free to download. No subscription. Your data stays on your device — always.

What’s new

What's New in 2.6.0: • Reliable Reminders: We've completely rebuilt our notification engine! Your bill reminders will now fire reliably every morning at 9:00 AM so you never miss a payment. • Better Syncing: Fixed a bug so your Target Retirement Age now syncs perfectly between your Profile and the Pension Planner. • Behind the Scenes: Added new Legal & Privacy policies to keep your data safe, and introduced a light ad experience to support our continued development.