About Lifolio

Lifolio is a free tool for comparing investment and retirement plans using historical market data and your assumptions. Change asset weights, contributions, rebalancing and result currency to examine how returns and loss risks differ.

Explore investment strategies through backtests and portfolio discovery, then connect them to retirement scenarios and city living costs. Available analysis periods depend on the selected assets’ actual data, so review each result’s effective period and assumptions.

Who runs Lifolio

Lifolio is built and run by its operator. It was first deployed in April 2026.

Errors and suggestions: the chat bubble button (“Send Feedback”) at the bottom right of the screen
Business and partnerships: business@lifolio.io

Key Features

ETF Backtest

Set the period, dividend reinvestment, contributions and rebalancing to compare historical returns and drawdowns across asset combinations.

Portfolio Optimization

Explore asset-weight candidates using returns, volatility and correlations for your selected period. Candidates based on historical data do not guarantee optimal future weights.

FIRE Calculator

Estimate a retirement date from current assets, monthly contributions and target spending, then explore post-retirement asset paths under your selected assumptions.

ETF Rankings

Compare returns, risks and cash flows of published combinations alongside the reference date and analysis conditions shown for each ranking.

Global Living Costs

Compare estimated monthly city living costs in KRW and connect them to FIRE goals. Actual costs vary with lifestyle and the date of the underlying data.

Our Philosophy

Completely Free — All features are available at no cost. No paywalls on core analysis features.
Data Transparency — Review analysis periods, currencies and assumptions, and follow the explanations of metric calculations and data processing. Methodology
Not Investment Advice — All results are for educational and reference purposes only. Final investment decisions are yours.
Minimal Data Collection — Use without login. Direct identifiers are minimized; a reply email is optional and collected only with feedback.

Data Sources

Market prices and dividends, exchange rates, interest rates and inflation, property transactions and city living costs serve distinct purposes. Automatic rate references are FRED TB3MS for USD results and the Bank of Korea CD91 proxy for KRW results. Sources, processing and update status are explained on the data sources page. Data Sources page

Disclaimer

Results are simulations based on historical data or selected assumptions. They do not guarantee future returns, a retirement date or asset preservation, and all investments carry a risk of loss. Review the reference date and analysis conditions before making decisions. Investment Disclaimer