Retire O’Clock — FIRE & Retirement Calculator

Quick Scenarios:

1. Your Parameters

Adjust values in real-time

Current Age 25 yrs

Target Retirement Age 55 yrs

30 years investment horizon

Current Net Worth / Savings Rp 25 Juta

Monthly Savings / Investment Rp 5 Juta/mo

Annual Contribution Increase 5% / yr

Accounts for career growth, salary raises, and investment scaling

Desired Monthly Living Cost (Today's IDR) Rp 12 Juta/mo

Invest Return (%/yr)

Inflation (%/yr)

Withdrawal (%/yr)

2. Retirement Projection

Inflation-adjusted calculation

Target Freedom Number (FIRE Corpus)

Rp 10,1 Miliar

Based on 4% Safe Withdrawal Rate at age 55

Projected Portfolio at 55 Rp 10,75 Miliar

Future Monthly Cost Rp 33,68 Juta/mo

Goal Coverage 100.0%

Today's Annual Expenses Rp 144 Juta

Inflation Multiplier over 30 yrs 2.81x

Estimated Monthly Passive Income Rp 35,84 Juta/mo

About Retire O’Clock (iOS)

Retire O’Clock is crafted specifically for Indonesian investors, wage earners, and independent workers navigating personal finance with Rupiah reality:

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IDR-Native Scale

Designed with intuitive scaling for millions (Juta) and billions (Miliar) without cumbersome zero-counting.

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100% Private & On-Device

Built with SwiftData. No accounts, no trackers, no server syncing. Your net worth and goals stay entirely on your device.

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THR & Lump-Sum Schedule

Model real-world Indonesian cash flows with custom yearly lump sums (THR, bonus, dividend windfalls) and annual career raises.

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Native SwiftUI Performance

Silky smooth 120Hz ProMotion animations, interactive drag gestures, and instant recalculations.

Follow Development Check back here for TestFlight beta releases and App Store availability updates.