Retirement Insights: Visualizing Your Future Financial Independence

"Retirement Insights" is a new feature that provides estimated projections for when you might achieve FIRE (Financial Independence, Retire Early) based on basic information such as age, along with income, expenses, and savings data. This helps you explore possibilities for your ideal life plan.

Beyond simply preparing for retirement funds, this feature supports positive future planning by showing "at what age you might be able to realize your ideal work-life balance and lifestyle."

Simply provide information about your age, location, income, and savings situation to receive estimated retirement readiness assessments and reference improvement suggestions tailored to your current circumstances.

Based on the information you provide, we estimate retirement readiness indicators and visualize your projected future asset progression through graphs. You can explore how changes to your monthly savings amount might affect your target asset achievement timeline.

Q1. What kind of feature is Retirement Insights?

A: Based on your income, expenses, and savings data, it provides projections for when you might achieve financial independence in the future. Beyond just retirement preparation, this feature helps you explore possibilities for "when you might be able to live a life not bound by work."

Q2. Who would you recommend this for?

A:

✅ People in their 20s-50s interested in "FIRE" or "asset building"

✅ Those who feel vaguely anxious about the future but don't know specifically where to start

✅ Couples or families who want to explore their future financial possibilities together

Q3. Are there any usage fees?

A: This feature is available to users on our free plan as well.

Please note that you need to update your app version to iOS app: 1.59.0 and Android app: 1.31.0 to use this feature. (It is not compatible with the iPad.)

Q4. What specific data does it use?

A: Using basic information such as your birth year and location, along with financial information including income, expenses, and savings data, the feature analyzes:

✅ Savings amount

✅ Monthly savings amount

✅ Spending patterns

Manual editing is also available when needed.

Q5. How are the results calculated?

A: We combine your information with a simple, consistent calculation approach designed to help you understand your long-term outlook. The estimate is created through four steps:

✅ Understanding your current situation: We review your age, income, savings amount, and monthly saving habits.

✅ Projecting your future savings: We estimate how your savings might grow over time if you continue your current saving pattern. A long-term investment return assumption (commonly used in financial planning) is applied to keep the projection stable and easy to understand.

✅ Estimating how much you may need in retirement: We use the monthly expense amount you enter and adjust it for your living situation (renting or owning). We also include the effect of the Japanese pension starting at age 65, which reduces how much you need to withdraw from your savings.

✅ Comparing "what you might have" with "what you might need": For each possible retirement age, the tool checks whether your projected savings could cover your expected retirement expenses over the long term. The earliest age where this balance works becomes your estimated retirement age.

This method follows industry-standard planning guidelines and is meant to provide clear direction, not a detailed financial plan.

Q6. How accurate are the FIRE projections?

A: The projections are mathematical models based on the data you provide and standard financial assumptions. They account for inflation, Japanese pension and compound growth. However, they are estimates and actual results will vary based on market performance, life changes, and other factors. Always consult a financial advisor for important decisions.

Q7. How can I improve my results?

A: Based on your retirement readiness indicators, reference suggestions such as "consider increasing monthly savings by 10,000 yen" may be provided.

Q8. What if I want to change my future plans?

A: You can modify your target age and desired living expenses. We suggest regular reviews approximately every six months or when major life events occur such as "having a child" or "changing jobs" to help maintain a more realistic and achievable plan.

Q9. I'm getting strange results in my projections. What should I check?

A: Common issues include: unrealistic growth rates, incorrect asset values, missing contribution details, or wrong retirement age settings. Double-check your asset details and projection settings.

Q10. Is my personal and financial data secure?

A: Yes, absolutely. Moneytree operates with bank-level encryption and strict privacy policies. The basic information and other data you input is used only for "Early Retirement Insights" and will never be provided to third parties without your consent. Moneytree keeps your data safe so that you can come back again and adjust input values, but we never share your data with any third party without your explicit consent. Details around data security can be read in our privacy policy.

If you have any questions, please feel free to contact our support team.