A deep dive into FIRE (Financial Independence, Retire Early) capabilities: Compare YNAB's basic goal tracking with Delphina's comprehensive FIRE planning and early retirement optimization tools.
YNAB allows setting savings goals with target amounts and dates. However, FIRE number calculation must be done manually using external calculators.
Users must calculate their FIRE number outside the app using the 4% rule or other methods. No built-in FIRE number calculator or retirement projections.
Goals are tracked in isolation without considering inflation, investment returns, or changing expenses in retirement.
Sophisticated FIRE number calculation that considers your current expenses, desired retirement lifestyle, inflation, and safe withdrawal rates.
Real-time FIRE number updates based on your actual spending patterns, investment performance, and life changes. Always shows your true path to FI.
Compare different FIRE approaches: Lean FIRE, Fat FIRE, Barista FIRE, and custom scenarios to find your optimal retirement strategy.
Basic goal tracking shows estimated completion dates based on current savings rates. No consideration of investment growth, market returns, or changing circumstances.
Advanced timeline projections that factor in investment returns, compound growth, market volatility, and optimal savings strategies for fastest path to FIRE.
No investment tracking or strategy guidance. Users must manage investments separately and manually update net worth in the budget.
Integrated investment tracking with FIRE-optimised portfolio suggestions, asset allocation recommendations, and tax-efficient investment strategies.
Tracks current expenses but no tools for projecting retirement costs, healthcare expenses, or lifestyle changes in retirement.
Comprehensive retirement expense modeling including healthcare costs, inflation adjustments, travel, and different lifestyle scenarios in retirement.
No market risk analysis or sequence of returns risk consideration. FIRE planning doesn't account for market volatility or bad timing.
Monte Carlo simulations and stress testing to evaluate FIRE success rates under different market conditions and economic scenarios.
Basic emergency fund tracking. No sophisticated analysis of safe withdrawal rates or retirement sustainability under different conditions.
Advanced safety margin calculations, dynamic withdrawal rate adjustments, and contingency planning for extended market downturns.
While YNAB can help you save money through disciplined budgeting, it lacks the sophisticated FIRE planning tools needed for serious early retirement planning. Delphina provides comprehensive FIRE tracking with advanced calculations, risk analysis, and optimization strategies that are essential for achieving financial independence.