If you're planning retirement: 5-15 years to get the numbers right
Real-estate, stocks, IRAs — how many years of income can you sustain?
For people 5-15 years from retirement, the hardest thing is not knowing how far from the target they are. Most assume “it’ll be enough” without doing the math. UseFinLit’s retirement module focuses exactly here: quantify the target, calculate current trajectory, surface the gap, then offer strategies to close it.
Week one: target setting. Do you want $5,000/month at 65, or $8,000? The number is calculated against current spending, expected inflation, and life-expectancy projections. Week two: current state (401(k) + IRAs + savings + property). Week three: gap-closing strategies — increasing 401(k) contributions, taxable account additions, real-estate income.
The paper portfolio supports “what if I shift 30% of my equities to bonds at 60?” scenarios. Tax implications and Roth conversion strategies are built into the model.
What you’re struggling with
- Social Security alone won't cut it — but I don't know where to start the math
- I have a 401(k) but no clue if my fund choices are right
- I want to retire at 65 but don't know what monthly income that translates into
- How do I plan inheritance for kids in a tax-efficient way?
How UseFinLit helps
Retirement income calculator
Plug in current 401(k), IRA, savings, real estate. App calculates monthly income at 65 and shows the gap.
401(k) fund comparison
Most plans have 10-20 fund choices. App scores them by expense ratio, historical returns, and target-date fit.
Real-estate vs portfolio balance
Real estate brings income + appreciation but illiquidity. Portfolio brings diversification. App models 3 mixes.
Tax-efficient inheritance planning
Roth conversions, life insurance, real estate — which vehicles minimize estate tax? Scenario-based comparisons.
Related lessons
- Roth conversion timing
- Retirement income gap analysis
- Real-estate as retirement income
These lessons unlock with Premium in the app.
Frequently asked questions
How much does UseFinLit cost?
UseFinLit is free to download and includes a free tier of lessons. Premium unlocks all 600+ lessons across 32 modules, removes daily energy limits, and includes unlimited AI trade evaluations. Premium is $4.99/month or $47.99/year on the US App Store.
How does the trading simulator work?
You start with 100,000 in virtual cash and can buy or sell real publicly-listed stocks at nearly real-time market prices from NYSE, NASDAQ, and Borsa Istanbul. No real money is at risk; all trades are simulated. After each trade, an AI assistant evaluates your decision and explains what worked or what could be improved.
What markets and instruments does UseFinLit cover?
UseFinLit’s curriculum covers US equities (NYSE, NASDAQ), Turkish equities (Borsa Istanbul / BIST), ETFs, bonds, options, forex, cryptocurrency, mutual funds, technical analysis, fundamental analysis, portfolio theory, tax planning, 401(k), and Roth IRA basics.
What is UseFinLit?
UseFinLit is a microlearning iOS app that teaches investing and personal finance through 600+ one-minute lessons, a 100K virtual-cash simulator with nearly real-time NYSE, NASDAQ and Borsa Istanbul prices, and AI feedback on every simulated trade. It is free to start.
Is UseFinLit good for beginners?
Yes. UseFinLit’s 32 modules start from budgeting and saving fundamentals — no prior finance knowledge required — and progress to advanced topics like options strategies and portfolio theory. Each lesson takes about one minute, so beginners can build knowledge in small daily sessions without overwhelm.
Is UseFinLit like Duolingo for investing?
UseFinLit uses gamification mechanics common to language-learning apps — XP, streaks, badges, daily tasks, and leaderboards — but applied to finance education. The format is similar to Duolingo (bite-sized lessons + quizzes), while the content covers stocks, ETFs, bonds, options, crypto, taxes, and retirement planning instead of languages.
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Free on the iOS and Android.
