Bruce's Retirement Planner

Bruce's Retirement Planner

Monte Carlo Money Simulator

32 ratings
11 reviews
Free

Details

Released
July 20, 2026
Updated
November 5, 2026

Features

Bruce's Retirement Planner video #1 for iPhone
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Bruce's Retirement Planner screenshot #10 for iPhone
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About

This app simulates thousands of market futures and lifespans to estimate your chance of financial solvency in retirement. It models income, expenses, accounts, debt, and life events with a real US tax engine. Understand key insights and track your progress against your plan.

✓Monte Carlo retirement simulations
✓Comprehensive financial modeling
✓Real US tax engine
✓Couples planning
✓Social Security optimization
✓Healthcare cost projection
✓Life event scenario planning
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What's New in Bruce's Retirement Planner

1.81

November 5, 2026

-Updated stochastic inflation and interest rates methodology -Refreshed tax rates and contribution limits, with 2027 rates where available -Support for iPhone Duo -Bug fixes

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User reviews

Amazing App and Amazing Support

This is the first app I have ever left a review on. First off, the app is extremely polished and easy to use. It also incorporates many features and options that are not available in many other apps.

The thing that led me to make this review however, is the support from the developer. I sent him an email asking for a certain feature that I would like to have on the app, and within a few days he had incorporated it.
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Great easy to use app

Thanks for making this so easy to use!

Great app

I’m a subscriber to some of the more traditional web based planners and this one provides guidance that is aligned with those but an easy to use interface. I also like how the inputs are arranged in that it makes a complicated task more simple. Healthcare modeling in particular is a nice addition vs some of the others. Lastly, the data model is great in that there is no central server where privacy becomes a concern. Data stays local unless you choose to backup in your own iCloud instance. Bravo!
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Good planner

Enjoyed the planner, seemed consistent with other planners

Very comprehensive

Covers stuff other planners don’t. Also the developer is very responsive; I sent him a suggestion and he responded within hours.

Developer apps

FAQ

What is HailCat's core function?

HailCat is a retirement planning tool that uses Monte Carlo simulations to estimate your probability of financial solvency. It models various financial aspects and market futures to provide an honest outlook on your retirement plan.

How does HailCat handle taxes?

The app features a real 2026 US tax engine, including federal and all 50 state taxes, capital gains, NIIT, RMDs, and payroll taxes. It also models the tax implications of Social Security benefits and Roth conversions.

Is HailCat suitable for couples?

Yes, HailCat supports couples planning with features like dual lifespans, survivor benefits, spousal rollovers, and tax changes based on filing status.

Does HailCat include Social Security planning?

Yes, HailCat incorporates real Social Security claim age math (62 to 70), cost of living increases, survivor rules, and the actual taxation of benefits.

How does HailCat model market returns?

Instead of a single straight-line return, HailCat uses a multi-asset market model that includes US and international stocks, bonds, REITs, and cash for more realistic simulations.

Is HailCat free to use?

HailCat is currently free for early adopters. While advanced features may move to a subscription later, early users receive full access. The app is rated 5.0 stars from 2 ratings.

Does HailCat have ads?

No, HailCat is ad-free. The app is designed with privacy in mind, and no advertisements are present.

What devices does HailCat support?

HailCat is available on iPhone and iPad, supporting iOS devices.