Private retirement planning for macOS

When is yourportfolioenough?

Use the portfolio you actually have to explore the retirement date it may support. Let spending change over time, force market and inflation shocks, and compare the choices that move the date—privately on your Mac.

See how the plan works Start free · US$49.99 once

Retirement-date search · Changing spending · Forced stress tests

MyFIREDesk dashboard connecting a USD portfolio with retirement-plan progress
IBInteractive BrokersFlex reports · Read-only
eTeToroReal or demo · Read-only
₿Public crypto walletsETH · BNB · BTC · SOL
€Cash & depositsLocal entries · Multi-currency
Seven real app screens

From portfolio to
retirement date.

Actual MyFIREDesk screens showing retirement timing, changing spending, forced stress tests, and the portfolio behind the plan.

Retirement date

Explore when your portfolio may be enough

Find the earliest retirement month that meets your success threshold and inspect the monthly paths behind it.

Retirement dateExplore when your portfolio may be enough
1 of 7
From portfolio to retirement

See what you own.
Understand what it makes possible.

Connect, add, classify, plan, stress, and compare in one focused workflow—without turning MyFIREDesk into another trading account.

01

Your supported sources.
One calm portfolio.

Refresh Interactive Brokers, eToro, supported public wallets, cash, deposits, and certificates of deposit into one reporting currency.

  • Latest refreshed totals and holdings
  • Source-level freshness and warnings
  • EUR, USD, GBP, or CHF reporting
IB
Interactive BrokersBrokerage · Connected
€642,180
eT
eToroInvestments · Connected
€284,920
₿
Crypto wallets4 public addresses
€196,340
€
Cash & depositsLocal entries
€125,210
02

See the assets beyond
your portfolio.

Add property, vehicles, private businesses, and other assets alongside your investment accounts. Record market value and associated debt to see net equity without treating it as investable capital.

  • One net-worth total across portfolio and other assets
  • Market value, debt, equity, and valuation date
  • Kept outside allocation and retirement starting capital
NET WORTH€1,782,000
Investments + net equity
Investable portfolio€1,119,000
Other asset equity€663,000
Primary homeProperty · updated today€190,000
Rental propertyProperty · income linked€450,000
VehicleVehicle · net equity€23,000
OUTSIDE PORTFOLIOVisible in net worth · excluded from allocation
03

Explore when your portfolio
may be enough.

Search for the earliest retirement month that meets your chosen success requirement—or test a specific date across hundreds of possible paths.

92%SUCCESS
Illustrative plan result
Earliest retirement age48
Target requirement90%
Simulation timelineMonthly
04Full Access

Your assets do not
all behave the same.

Model equities, fixed income, cash, commodities, crypto, and other assets with their own returns, volatility, correlations, and future glide paths.

6
classes
Equities 58%Fixed income 24%Crypto 12%Other 6%
05

Retirement spending
doesn't have to stay flat.

Combine an active start, periodic adventures, late-life support, or your own patterns in one plan. See their exact monthly effect together against the plan's ongoing spending.

  • Select several patterns for one retirement plan
  • Exact monthly timing and repeatable events
  • Reuse each pattern across different plans
PLAN SPENDING FLOWBase plan
3 patterns selected
⌁Combined timelineActive start · Adventures · Late-life support
1
Active yearsYears 1–5 · Active start
125%of ongoing
↓ Adventure overlaps active years
2
Active years + adventure6 months · Two patterns combined
165%of ongoing
↓ Later in retirement
3
Late-life supportFinal 5 planning years
125–160%of ongoing
06Full Access

Ask what could
break the plan.

Combine several built-in or custom stress scenarios—such as an early crash, recurring inflation shocks, and a later selloff—then run them together against the same plan.

Base plan92%
3 stress scenarios combined78%

Conditional survival given the event—not the probability that the event will happen.

07Full Access

Turn an asset sale
into a planning decision.

Place one-time or recurring contributions, income, and expenses where they belong in the plan—or model an asset sale in an exact month. Estimate proceeds after debt and selling costs, then choose whether linked cash flows stop.

Rental incomeLinked to Gardens · recurring
+€2,200 / mo
Sell GardensSeptember 2031 · after debt & costs
+€450,000
Linked cash flowsRental income and expenses
Stop after sale

The sale is hypothetical and never changes the asset tracked in Net Worth.

Full Access
08

Compare decisions,
not isolated numbers.

Put saved plans side by side to understand how retirement timing, spending patterns, contributions, allocation, future income, and stress events change the outcome.

  • Choose a reference scenario
  • Compare assumptions and results
  • See when a result needs updating
PLANMore timeMore freedom
Retirement age5248
Success probability95%92%
Monthly contribution€2,000€2,600
Spending patternsSteadyActive + adventures
Equity crashPASSPASS
Illustrative comparison
Local AI · Full Access

Your retirement workspace.
Now available to your AI assistant.

Connect a compatible AI client through Model Context Protocol (MCP). It can work with the same portfolio, classifications, allocations, plans, projections, and stress scenarios you see in MyFIREDesk—without a spreadsheet export or a second set of inputs.

01
Ask with real context

Review holdings, net worth, allocation drift, plans, projections, and stress results using your latest MyFIREDesk data.

02
Model a decision

Create or edit plans, update manual assets and classifications, run projections, and test stress scenarios when you allow those actions.

03
Keep one source of truth

The app and MCP use the same validated financial models, so an AI action follows the same rules as an edit made in the interface.

04
Bring your own assistant

Use a compatible MCP client instead of being locked into a MyFIREDesk chatbot or paying MyFIREDesk for a separate AI subscription.

MyFIREDesk · Local AICONNECTED LOCALLY
YOU

Create a copy of my baseline plan with retirement two years earlier. Run the projection, then test my equity-crash scenario.

Read plan→Create plan→Run projection→Run stress test
ASSISTANTEarly-retirement plan created and tested.

The earlier date lowers the illustrative base success result from 92% to 86%. Under the saved equity-crash scenario, it reaches 78% and falls below the plan's 90% requirement.

Illustrative workflow and results
Local stdioNo listening portExplicit permissionsActions are opt-inNo tradingNo money movement
The connection is local. Your AI may not be.

The sandboxed helper has no network access and never receives broker credentials. Reads can use the last shared snapshot while the app is closed; edits require MyFIREDesk to be running. A connected AI application may send returned data to its own model provider, whose privacy controls still apply.

See the privacy boundaries
Privacy, engineered in

Your financiallife isyours.

Sensitive settings stay on your Mac. Credentials are protected by macOS Keychain, planning scenarios are stored locally, and refreshes go directly to the data providers you configure. MyFIREDesk never needs trading authority, a recovery phrase, or a private key.

Read the privacy policy
✓

CredentialsProtected by macOS Keychain

✓

Planning scenariosStored locally on your Mac

✓

Wallet accessPublic addresses or xpub only

✓

TradingNot supported—by design

Clarity includes the limits

A planning tool should tell you
what it does not know.

MyFIREDesk helps you explore scenarios. It does not predict markets, recommend investments, or guarantee an outcome.

01Illustrative, not advice

Results depend on the assumptions you enter and are not financial, investment, tax, or legal advice.

02Taxes are not modeled

The planner does not yet model taxes, account-level withdrawal order, or trading costs from rebalancing.

03Stress tests are conditional

A forced event asks whether the plan survives that sequence; it does not estimate the chance of the event occurring.

04Coverage is explicit

Connections import only supported account and investment data. Manually tracked net-worth assets remain clearly separated from investable holdings.

Can I use MyFIREDesk for free?

Yes. Configure Interactive Brokers Flex and eToro, add multiple supported public wallets, cash, and deposits, view your unified portfolio, and create one foundational retirement plan for free.

Is MyFIREDesk a subscription?

No. Full Access is a one-time, non-consumable Mac App Store purchase. The US price is $49.99; local App Store pricing applies.

Do I have to connect an account to explore the app?

No. You can enter cash, deposits, other portfolio values, property, vehicles, private businesses, and other net-worth assets manually. Connecting broker or wallet data is always your choice.

How do property and planned asset sales affect my retirement plan?

Property, vehicles, and other assets contribute their net equity to Net Worth, but stay outside your investable portfolio, allocation, and retirement starting capital. You can link income or expenses to an asset and, with Full Access, model a hypothetical sale that adds estimated net proceeds to the portfolio in a chosen month. The planner can account for debt and selling costs and stop linked cash flows after the sale; taxes are not modeled.

What does plan success mean?

A simulated path succeeds when it stays funded through the planning end age and meets any minimum ending-balance goal you set.

Can retirement spending change over time?

Yes. Select several built-in or custom patterns for the same plan—for example an active start, periodic travel, and late-life support—and MyFIREDesk combines them into one monthly spending flow. Patterns can repeat on a schedule and use percentages of ongoing spending, so each one remains reusable across plans with different budgets.

Does MyFIREDesk ever place trades?

No. Account connections are read-only, allocation targets are hypothetical, and the app does not move money or take custody of assets.

What can a connected AI assistant do?

With Full Access, a compatible MCP client can read the portfolio, net worth, allocation, plans, projections, and stress scenarios you expose. Separate opt-in permissions control actions such as refreshing data, updating manual assets or classifications, creating and editing plans, and running projections or stress tests. MyFIREDesk never exposes trading or money-transfer tools.

Does Local AI mean the AI model runs on my Mac?

Not necessarily. The connection to MyFIREDesk uses a local helper with no network listener or network access, but the AI application you choose may send returned data to its own model provider. That application's privacy policy and data controls apply.

What happens when one source cannot refresh?

MyFIREDesk keeps that source's last successful holdings, marks them as stale, and preserves fresh results from other providers.

Simple, honest pricing

Connect supported sources.Pay once to plan deeper.

Track your complete supported portfolio for free. Unlock the advanced planning toolkit only when you need it—without adding another subscription.

MYFIREDESKFree
FOREVER
$0

Your real portfolio—not a limited demo

  • Interactive Brokers Flex and eToro connections
  • Multiple supported public wallets
  • Dashboard, allocation, and multi-currency totals
  • Cash, deposits, net-worth assets, and one retirement plan with phased spending
Manual portfolio setupExplore without linking a broker or wallet
MYFIREDESKFull Access
ONE TIME
$49.99

One-time Mac App Store purchase

  • Unlimited retirement plans, shared spending patterns, future cash flows, and planned asset sales
  • Allocation-aware simulations and advanced assumptions
  • Stress tests and side-by-side comparisons
  • Portfolio history and the Mac widget
  • Permissioned local AI access across portfolio and retirement planning
Advanced planning and Local AI, one purchaseNo subscription. No ads. No financial-data sales.
Coming soon to the Mac App Store
Free download · Full Access optional for US$49.99 once · Local App Store pricing applies