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.
1.45.1
July 26, 2026
A completely new look. HailCat now wears a fresh glass design with light and dark themes. Pick Match iPhone, Light, or Dark in Settings. Also new: try several what ifs together in Sensitivity and see one combined success rate, a shaded middle 50 percent band on the net worth chart, a friendlier welcome, and dozens of refinements across every screen. The same rigorously tested planning engine underneath. Bug fixes.
MoreHailCat 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.
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.
Yes, HailCat supports couples planning with features like dual lifespans, survivor benefits, spousal rollovers, and tax changes based on filing status.
Yes, HailCat incorporates real Social Security claim age math (62 to 70), cost of living increases, survivor rules, and the actual taxation of benefits.
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.
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.
No, HailCat is ad-free. The app is designed with privacy in mind, and no advertisements are present.
HailCat is available on iPhone and iPad, supporting iOS devices.