Released 📱 Available on the App Store ↗

Retire O’Clock ⏰

FIRE & Retirement Calculator

Retire O’Clock helps Indonesian professionals and creators calculate their financial independence target, account for real-world rupiah inflation, and track how monthly investments compound toward early retirement.

Quick Scenarios:

1. Your Parameters

Adjust values in real-time
25 yrs
55 yrs
30 years investment horizon
Rp 25 Juta
Rp 5 Juta/mo
5% / yr
Accounts for career growth, salary raises, and investment scaling
Rp 12 Juta/mo

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%

At this pace, you will reach financial independence around age 54.0 — approximately 1.0 years ahead of your goal!

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:

🇮🇩

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.

Get Retire O’Clock for iOS Available now on the App Store for iPhone and iPad.
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