About Lifolio
Compare investment conditions and explore scenarios through retirement
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
Analysis tools
- Backtest
- Set the period, dividend reinvestment, contributions and rebalancing to compare historical returns and drawdowns across asset combinations.
- Weight Optimizer
- Explore asset-weight candidates using returns, volatility and correlations for your selected period. Candidates based on historical data do not guarantee optimal future weights.
Explore portfolios
- Portfolios
- Browse well-known investment strategies and asset mixes, all calculated on the same basis.
- Strategy Rankings
- Compare returns, risks and cash flows of published combinations alongside the reference date and analysis conditions shown for each ranking.
Retirement planning
- FIRE Calculator
- Estimate a retirement date from current assets, monthly contributions and target spending, then explore post-retirement asset paths under your selected assumptions.
- 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.
Learn
- Backtest Guides
- Explains how to read the results and what metrics such as annualized return and maximum drawdown mean, with worked examples.
What Lifolio does not do
- Recommend individual stocks or when to trade.
- Promise future returns based on past results.
- Ask for a login or personal data to calculate.
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