# LifeCycle Calculator

> LifeCycle Calculator (iPhone/iPad app by YOU TYNG LUO.)

- Source: https://appshunter.io/ios/app/lifecycle-calculator/id6751434981 (this page in markdown: same URL + `.md`)
- Developer: [YOU TYNG LUO](https://appshunter.io/developer/1835097669)
- Category: Productivity, Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 16.0 · 13 MB
- Languages: English
- Released: 2025-09-02
- Data updated: 2026-05-15
- User reviews in markdown: https://appshunter.io/ios/app/lifecycle-calculator/id6751434981/reviews.md

## What is LifeCycle Calculator?

LifeCycle Calculator is an educational financial simulation tool for exploring lifetime wealth, retirement readiness, and lifecycle-based investing.

Use age, income, assets, retirement targets, expected returns, inflation, and risk preferences to model how human capital, financial assets, and pension value may evolve over time. The app helps compare a traditional portfolio with a lifecycle strategy inspired by Samuelson ratio concepts.

Key features:

- Retirement readiness: estimate retirement cash-flow coverage using financial assets, pension assumptions, and a 4% rule reference.
- Lifecycle investing model: explore how financial capital, human capital, and risk preference can affect suggested equity exposure and leverage paths.
- Strategy comparison: compare a lifecycle strategy against a 60/40 baseline and visualize potential long-term differences.
- Interactive charts: review leverage path, wealth composition, financial assets, human capital, and pension value over time.
- Taiwan and U.S. modes: use Traditional Chinese with NTD and Taiwan labor pension assumptions, or English with USD and U.S. Social Security estimates.
- Private by design: all simulations are performed on device. The app does not collect, transmit, or store personal financial data on external servers.

Important: This app is for education and scenario modeling only. Results are estimates based on user inputs and assumptions. They are not financial, investment, tax, or retirement advice.


## Version history (last 3 releases)

### 1.2.6 — 2026-05-10

Version 1.2.6 improves the lifecycle investing simulation experience:

- Refined retirement readiness and cash-flow coverage presentation
- Clearer wealth composition and strategy comparison charts
- Improved Taiwan and U.S. regional assumptions and pension modeling
- Better iPhone and iPad layout behavior for long-form financial inputs
- Stability and usability improvements

This app remains an educational simulator and does not provide investment advice.

### 1.1 — 2025-11-30

Version 1.1 includes performance improvements and refinements to the lifecycle simulation experience:

• Enhanced interactive charts for clearer year-by-year wealth visualization
• Improved iPad full-screen layout and text scaling
• Updated regional retirement estimation models for Taiwan and the U.S.
• Faster on-device calculations and better overall responsiveness

This update continues to improve clarity and usability for long-term financial planning simulations.

### 1.0 — 2025-09-02

No release notes.

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## More apps by YOU TYNG LUO

- [AnimalDubber](https://appshunter.io/ios/app/animaldubber/id6753866588)
- [AnimalDubber2](https://appshunter.io/ios/app/animaldubber2/id6755646393)

All apps by YOU TYNG LUO: https://appshunter.io/developer/1835097669

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-05-15.*