# PIT (Passive Investment Tool) — Real Investing Projections

> Accurate 401(k) and retirement projection tool for investors. (iPhone/iPad app by Marcus Beasley.)

- Source: https://appshunter.io/ios/app/pit-passive-investment-tool/id6748911597 (this page in markdown: same URL + `.md`)
- Developer: [Marcus Beasley](https://appshunter.io/developer/1827940781)
- Category: Finance, Business
- Price: Free
- Rating: 5.00/5 from 3 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.2 · 3 MB
- Languages: English
- Released: 2025-07-22
- Data updated: 2026-08-01
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/pit-passive-investment-tool/id6748911597/reviews.md

## What is PIT (Passive Investment Tool)?

PIT (Passive Investment Tool):

- No ads. No subscription. Free. Just accurate projections.
- The Most Accurate 401(k) Projection App for Real-World Retirement Planning

PIT is built for investors who want more than just a simple calculator. 
With a focus on real-world accuracy, PIT models your 401(k) growth, contributions, employer match, and 
withdrawal strategy with the same assumptions used by financial professionals.
Whether you’re just starting your career or planning your retirement withdrawal strategy, 
PIT helps you see the full picture — from your first contribution to your final withdrawal.

Features Available Now-

401(k) Contribution & Growth Model:

- Starting salary and annual raises are based on your input
- Employee contributions are capped at the IRS annual limit
- Employer matching is calculated as a percentage of salary, subject to total IRS contribution limits
- IRS employee contribution limits are projected to increase by $500 per year, based on the 20-year historical average
- IRS total contribution limits (employee + employer) are projected to increase by $1,400 per year, based on historical averages
- Optional $7,500 catch-up contributions are available starting at age 50
- All fund return percentages are shown after deducting fund expense ratios
- Contributions and investment returns compound monthly
- Optional inflation adjustment displays results in today’s dollars, with a default rate set to the 30-year historical average
- IRS limits and tax laws are modeled on historical trends, but future values are not guaranteed

401(k) Withdrawal Projection Model:

- Withdrawals begin at your selected retirement age and continue through your expected life age
- Annual withdrawals are designed to match your inflation-adjusted pre-retirement income, unless RMDs require a higher amount
- Required Minimum Distributions (RMDs) follow the official IRS Uniform Lifetime Table, adjusting yearly based on your age
- Withdrawals are taken proportionally from each fund, based on your allocation
- Remaining funds continue to grow at the average return rate of your selected funds
- Optional inflation adjustment shows all withdrawal amounts and ending balances in today’s dollars
- The model assumes annual compounding and reinvestment of returns until withdrawn

Visual Charts & Data Breakdown:

- Clear, professional graphs of contribution growth, investment returns, and total balances
- Stacked bar charts separating employee contributions, employer match, and investment gains
- Optional detailed year-by-year tables for both contributions and withdrawals
- Smart Projection Settings
- Supports customization of salary, contribution rates, employer match rates, and growth assumptions
- Inflation settings allow you to toggle real-dollar views for better financial insight
- Professional-grade assumptions on IRS limits and market returns — no unrealistic projections

Coming Soon-

- Brokerage Account Projection Model
- Roth IRA Growth & Withdrawal Model
- Tradition IRA Growth & Withdrawal Model

Why Choose PIT-

We built PIT because most retirement apps oversimplify your financial future. 
PIT uses realistic assumptions, accounting for factors like:
- IRS contribution limits and catch-up contributions
- Annual salary increases and inflation rates
- Employer match calculations based on actual compensation
- Required Minimum Distributions and withdrawal strategies

Download PIT (Passive Investment Tool) today and take control of your retirement future.

## Key features

- 401(k) contribution and growth modeling
- Withdrawal projection based on life expectancy
- Visual charts and data breakdown
- Customizable projection settings
- Inflation adjustment options
- Models IRS limits and historical trends

## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/pit-passive-investment-tool/id6748911597/reviews.md

### 5/5 — Great app, very intuitive

*2025-07-25*

Slick app with a great interface, very useful

### 5/5 — Great App

*2025-07-22*

very accurate tool to use if you’re wanting to see how your money will grow

### 5/5 — PIT is the future

*2025-07-22*

A really nice app. It’s has a very refined user interface.

## Frequently asked questions about PIT (Passive Investment Tool)

### Does PIT have ads?

No, PIT is completely free and does not feature any advertisements. The app is designed to provide accurate projections without any interruptions.

### What is the pricing for PIT?

PIT is a free application. There are no subscription fees or in-app purchases required to use its full functionality.

### What devices does PIT support?

PIT is available on iPhone and iPad devices. It is designed to offer a seamless experience across Apple's mobile platforms.

### How often is PIT updated?

The latest version of PIT is 1.0, and it was last updated on July 22, 2025. Future updates will likely focus on adding new features and refining existing ones.

### What is the age rating for PIT?

PIT has an age rating of 4+. This indicates it is suitable for users of all ages and does not contain any mature content.

### How does PIT handle security for financial data?

While the description focuses on projection accuracy, PIT does not explicitly detail its security measures for user-inputted financial data. Users should exercise caution when inputting sensitive information into any application.

### What types of financial transactions can PIT model?

PIT specifically models 401(k) contributions, employer matches, investment growth, and withdrawal strategies. It also accounts for IRS contribution limits and Required Minimum Distributions (RMDs).

### How does PIT compare to other 401(k) projection tools?

PIT differentiates itself by using assumptions similar to financial professionals for real-world accuracy, unlike simpler calculators. It offers detailed modeling of contributions, matches, and withdrawals with optional inflation adjustments.

## Version history (last 2 releases)

### 1.0 — 2025-07-22

No release notes.

### 1.0 — 2025-07-22

No release notes.

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## Related topics

[investment tool](https://appshunter.io/ios/topics/investment-tool)

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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 2026-08-01.*