Description
LifeCycle Calculator is an educational financial simulation tool that helps you understand long-term wealth accumulation, retirement planning, and lifecycle-based investment strategies. Built with data-driven modeling, it allows you to compare traditional portfolios with leveraged lifecycle investing based on research by Ayres & Nalebuff.
This app does not provide investment advice and does not collect personal data. All calculations run locally on your device for maximum privacy.
◆ Key Features
• Lifecycle Investing
Simulate how lifetime wealth changes when financial capital is balanced with human capital. The model dynamically adjusts leverage based on the Samuelson ratio and user risk preferences.
• Strategy Comparison
Compare traditional allocation (e.g., 60/40) with a lifecycle approach in parallel. Visualize asset growth, retirement coverage, and how leverage affects long-term outcomes.
• Retirement Coverage Estimation
See how much of your retirement spending can be supported using principles such as the 4% rule, social security estimations (U.S.), or Taiwan’s labor pension system.
• Interactive Charts (Powered by Swift Charts)
Explore your simulated wealth year by year through stacked wealth components, accumulation curves, and leverage effects.
• Localization and Regional Models
The app automatically adapts to your device settings.
– Taiwan Mode: Traditional Chinese, NTD currency, and labor insurance/pension model.
– U.S. Mode: English interface, USD currency, and Social Security estimation model.
• Optimized for iPhone & iPad
Designed with responsive layouts, Dynamic Type support, and full-screen iPad UI for a clean and comfortable reading experience.
◆ Privacy
LifeCycle Calculator performs all computations on the device and does not store or transmit personal data. No accounts, no tracking, and no external servers.