# Addeo

> Addeo is a private net worth tracker and FIRE (Financial Independence, Retire Early) planner for iPhone and Android, published by Addeo Labs Ltd, a company registered in England and Wales. Financial data stays on the user's phone, encrypted with AES-256: no bank logins, no user accounts, no ads, no analytics and no tracking. In the App Store and Google Play the app is listed as "Addeo.fi".

Key facts (updated 31 October 2026):

- Availability: coming soon to the App Store (iPhone) and Google Play (Android).
- Price: free to start. Addeo Pro is an optional monthly or yearly subscription or a one-time lifetime purchase, billed by Apple or Google. Prices are shown in the store and can vary by country.
- Storage: balances, accounts, assets, transactions, goals and history are stored only on the device, encrypted with AES-256. The key is kept in the iOS Keychain or Android Keystore and never leaves the phone. Addeo Labs has no copy, so there is no password reset, and after 10 wrong PIN attempts the app erases its data.
- What goes online: ticker or coin symbols for live prices (never quantities or balances), a request for public exchange rates, and, only if the user chooses, feedback, promo codes and store purchase proofs.
- Bank connections: none. Users enter accounts and balances themselves; stocks, ETFs and crypto can be tracked by ticker for live prices.
- FIRE planning: the 4% rule and safe withdrawal rates; Lean, Coast, Barista and Fat FIRE scenarios; in Pro, Monte Carlo (1,000 market scenarios run on the device), a Sequence of Returns Shield and withdrawal guardrails.
- Tax planning: US federal tools (Roth conversions, tax buckets, ACA subsidy) and EU presets for Cyprus, Germany, France, the Netherlands, Ireland and Spain, or custom rates. The US tools and the EU income and investment tax planners are part of Pro.
- Free vs Pro: Free has 1 live-price refresh a day and 90 days of history; Pro has 5 refreshes a day and a full year of history.
- Portability: encrypted .addeo backups to move to a new phone, and CSV export at any time.
- Addeo is a tracking and calculation tool, not a financial, investment or tax adviser.
- Addeo is not affiliated with other companies or products that use the name Addeo.
- Contact: info@addeolabs.com

## Product

- [Addeo home page](https://addeo.finance/): What the app does, its privacy model, features, plans and FAQ on one page
- [Features](https://addeo.finance/#features): Shadow Mode, Face ID and PIN lock, multi-currency, FIRE math, Roth conversion and EU tax planning, encrypted backups
- [Plans](https://addeo.finance/#plans): What the Free plan includes and what Addeo Pro adds

## Calculators

Free calculators that run entirely in the browser: nothing typed into them is sent or saved.

- [FIRE number calculator](https://addeo.finance/fire-calculator.html): FIRE number = yearly spending ÷ withdrawal rate (25 times spending at the 4% rule), and how long it takes to reach it from current savings at a constant real return
- [Coast FIRE calculator](https://addeo.finance/coast-fire-calculator.html): Coast FIRE number = FIRE number ÷ (1 + real return)^years to retirement, and when regular saving gets you there

## Privacy and security

- [How Addeo keeps data private](https://addeo.finance/#privacy): The five things that ever go online, and a comparison with cloud net worth trackers
- [Privacy Policy](https://addeo.finance/privacy.html): What the app stores, what it never collects, who receives each network request, and UK GDPR rights

## Docs

- [FAQ](https://addeo.finance/#faq): What Addeo is, pricing, lost phones, password resets, bank connections, live prices, multiple devices, supported countries and currencies
- [Terms of Service](https://addeo.finance/terms.html): Not-financial-advice terms, the no-recovery clause, subscriptions, liability and governing law

## Optional

- [Full site text](https://addeo.finance/llms-full.txt): The home page, FAQ, calculator and policy summaries in one Markdown file