# PlanMode: Retirement Planner — Long-term Financial Planning > Comprehensive financial and retirement planning app for lifetime wealth projection. (iPhone/iPad app by Sawhney Systems.) - Source: https://appshunter.io/ios/app/planmode-retirement-planner/id979979311 (this page in markdown: same URL + `.md`) - Developer: [Sawhney Systems](https://appshunter.io/developer/570593131) - Category: Finance, Business - Price: Free with in-app purchases - Rating: 4.30/5 from 105 App Store ratings · 26 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 36 MB - Languages: American English - Released: 2015-07-07 - Data updated: 2026-06-09 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/planmode-retirement-planner/id979979311/reviews.md ## What is PlanMode? COMPREHENSIVE FINANCIAL & RETIREMENT PLANNING Stop wondering if you will have enough to retire. PlanMode is the comprehensive financial planning app designed to take the guesswork out of your future. By projecting your current financial profile, PlanMode analyzes whether you will have sufficient resources for your entire lifetime. KEY FEATURES • Lifetime Projections: Visualize your wealth trajectory from today until age 95+. • Gap Analysis: Instantly identify potential shortfalls in your retirement savings. • Scenario Testing: What if you retire at 62 vs 67? See the impact in seconds. • All-in-One Dashboard: Integrates your budget, investments, and savings in one display. Don't just save—plan with confidence. Start with PlanMode today. COMPREHENSIVE SYSTEM PlanMode is a comprehensive financial & retirement planning system for analysis needed to answer questions like- • How does my projected financial profile look? • Should I start taking Social Security benefits at age 66 or wait for larger payments at age 70? • When will I have enough capital to retire on my terms? • What will be the bottom-line impact of a new investment? • Is buying a house is better for me than continuing to rent? • Is my family protected for their needs if I am disabled or die? PlanMode can help you analyze these and other situations. It is easy to use and its usage is limitless; you could use it to analyze almost any financial scenario which impacts just in the current year or many years to come. KEY FEATURES • Complete financial profiles, including- - Bank accounts - Retirement accounts - Business & Investments - Stocks & Bonds - Insurance policies - Real estate - Mortgages & loans - Cash management simulation - Social security - Income taxes • Compare financial alternatives - Unlimited what-if scenarios • Prepare retirement profile automatically - Determine lifelong capital needs - Analyze liquid capital sufficiency - Alternatives to fill capital shortfall • Prepare disability profiles automatically - Analyze cash flow sufficiency - Alternatives to fill cash shortfall • Prepare death profiles automatically - Determine survivor’s capital needs - Analyze income sufficiency - Alternatives to fill cash shortfall REPORTS & CHARTS PlanMode has a complete set of financial & retirement planning statements. PlanMode provides you with comprehensive analysis of retirement and other financial scenarios for lifetime capital needs and the capital available for its fulfillment. When capital resources are not sufficient PlanMode provides suggestive courses of action that may fill the shortcoming. The following reports are available for each scenario- • Financial Planning illustration • Retirement Planning illustration • Income Statement • Balance Sheet • Cashflow Statement • Supporting Information • Capital Needs Analysis • Pie charts for annual snapshots • Line charts projecting full profile COMPREHENSIVE PLANNING APP Additional financial & retirement planning features include - • Profiles for singles and married spouses • Planning span of up to 100 years • Retirement planning profile and analysis • Disability profile and analysis • Survivor’s profile and analysis • Automatic cash management simulation • Detailed annual cash flow analysis • Personalized data input items • Customizable financial statements • Ample graphs & charts for quick overview • Scenario comparison for what-if analysis • Export data to ExecPlan or Express • Definable national & local income taxes • Built-in USA income taxes • Predefined product structures for- • Individual Retirement Accounts • Company Retirement Plans (401k) • Self-employed Retirement Plans • Mortgages • Life Insurance • Fixed & Variable Annuities • Charitable Annuities • Reverse Mortgages ABOUT US Sawhney has been providing professional financial systems for over four decades. Our application, ExecPlan was the first commercially available such software in USA in 1976. ## Key features - Lifetime wealth projections - Retirement savings gap analysis - Scenario testing for financial decisions - All-in-one financial dashboard - Detailed financial profile integration - Comparison of financial alternatives ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | 1-Week Premium Activation | $0.99 | one-time | | 1-Month Premium Activation | $5.99 | one-time | | 1-Year Premium Activation | $19.99 | one-time | ## Recent user reviews (10 of 26) All indexed reviews: https://appshunter.io/ios/app/planmode-retirement-planner/id979979311/reviews.md ### 5/5 — Good Planning App *2025-05-24, version 7.2* I’ve been using this App for the past 2 years as a planning tool for different scenarios which is helpful. Recommend trying it out. ### 5/5 — A great quick tool *2020-11-18, version 1.21* Fast and to the point. Nice to have on your phone. ### 3/5 — Good app, not sure it’s worth $20 per year *2020-09-03, version 1.21* The one limitation I found odd in this app was that it ask if you have dependents, but didn’t ask the ages. ### 4/5 — A decent app for overall picture of financial plan *2019-11-03, version 1.19* Would be better if it provides ability to set expiration of certain expenses, for example kid’s college expenses. ### 5/5 — Unbelievable! *2019-07-20, version 1.18* What a great app! Does 95% of what I want it to do. reports are super and so is functionality. Inputs could be expanded a git to simply allow for additional fields to input groups of stocks, bonds, and retirement funds. Otherwise the app is very well laid out. ### 2/5 — PLEASE FIX IPAD VIEW *2019-01-08, version 1.18* The app doesn’t change orientation. I prefer working with a horizontal orientation vice a vertical orientation on my iPad Pro. ### 3/5 — Needs a little help *2018-02-16, version 1.13* There are only 2 options for tax portion of their planning...married or single. No options for head of household. With so many divorced households in that category, you would think they would include that. Basic software, but helpful. ### 1/5 — Looks good, but.... *2017-11-01, version 1.11* It’s not very useful, when the app gets stuck on the number screen every time i’ve used it. Even tried downloading the app again to no avail. ### 5/5 — Very useful *2017-10-10, version 1.11* Great app for financial planning. Simple to use. Nice reports. ### 5/5 — Excellent *2017-10-09, version 1.11* PlanMode delivers a solid financial planning tool. It looked simplistic initially but as I started to enter information and so how comprehensively it incorporated my data in the long term profile I got deeper into it. The more I used it the more motivated I got in exploring further with details. It has some of the simplest and most simplest and most meaningful presentations I have seen in a financial planning app. A number of built in capabilities like automatic cash management seem to provide more realistic feel for the projected values for future years. It has all essential reports that are self formatting based on data entered. capital needs analysis reports are simple and can also be very revealing. Stick with it, it's a valuable app and done very well. Great app. ## Frequently asked questions about PlanMode ### What does PlanMode do? PlanMode is a comprehensive financial and retirement planning app. It helps you project your current financial profile to analyze whether you will have sufficient resources for your entire lifetime, including retirement, disability, and death scenarios. ### What are the key features of PlanMode? Key features include lifetime wealth projections, gap analysis to identify potential shortfalls, scenario testing for 'what-if' situations, and an all-in-one dashboard integrating your budget, investments, and savings. It also allows for detailed financial profile integration and comparison of financial alternatives. ### How much does PlanMode cost? The app is free to download and use, but it offers in-app purchases. Specific details on pricing for these purchases are not provided in the description, but it suggests a model where core functionality is free with optional paid features. ### What kind of financial scenarios can I analyze? You can analyze a wide range of financial scenarios, such as retirement timing, Social Security benefit impact, investment performance, buying a house versus renting, and family protection in case of disability or death. The usage is limitless for analyzing current or future financial impacts. ### What reports and charts does PlanMode provide? PlanMode provides comprehensive financial and retirement planning statements. These include financial and retirement planning illustrations, income statements, balance sheets, cash flow statements, capital needs analysis, and pie and line charts for annual snapshots and full profile projections. ## Version history (last 5 releases) ### 8.2 — 2026-03-24 This version includes the new Custom Planning Tools along with the following modifications – 1. Custom Planning Tools (new) – a collection of planning utilities for some of our most-requested planning abilities. These efficient tools provide stand-alone as well as fully-integrated what-if analysis and automated result comparison for several scenarios including: a. IRA Roth conversion analysis b. Maximizing Social Security benefit c. Analyzing your choices of the age to retire d. Comparing long term impact of a lumpsum payment versus an annuity e. Comparing a taxable investment with a tax-free investment f. Will owning a home works better then renting one 2. Expanded retirement planning, including: a. Choice of entering a traditional IRA or Roth IRA (new) b. Option to automatically compute future IRA withdrawals as a percentage of living expenses (new) c. Auto compute Required Minimum Distribution – RMA (new) 3. USA income tax update. Implemented One Big Beautiful Bill (OBBB) provisions and other tax modifications – a. Seniors’ add-on deduction and limitations (new) b. State And Local Tax (SALT) deduction and limitations (new) c. Medicare Premium auto computation with Roth income exclusion (new) 4. Report displays enhancement (new): Projected financial reports can now be seamlessly scrolled across the entire planning horizon 5. Quick help icons added to select menu and input items (new) 6. Several minor enhancements ### 8.1 — 2026-03-05 This is a major enhancement with Custom Planning Tools. It includes the following – 1. Custom Planning Tools (new) – a collection of planning utilities for some of our most-requested planning abilities. These efficient tools provide stand-alone as well as fully-integrated what-if analysis and automated result comparison for several scenarios including: a. IRA Roth conversion analysis b. Maximizing Social Security benefit c. Analyzing your choices of the age to retire d. Comparing long term impact of a lumpsum payment versus an annuity e. Comparing a taxable investment with a tax-free investment f. Will owning a home works better then renting one 2. Expanded retirement planning, including: a. Choice of entering a traditional IRA or Roth IRA (new) b. Option to automatically compute future IRA withdrawals as a percentage of living expenses (new) c. Auto compute Required Minimum Distribution – RMA (new) 3. USA income tax update. Implemented One Big Beautiful Bill (OBBB) provisions and other tax modifications – a. Seniors’ add-on deduction and limitations (new) b. State And Local Tax (SALT) deduction and limitations (new) c. Medicare Premium auto computation with Roth income exclusion (new) 4. Report displays enhancement (new): Projected financial reports can now be seamlessly scrolled across the entire planning horizon 5. Quick help icons added to select menu and input items (new) 6. Several minor enhancements ### 8 — 2025-09-15 This is a major update adding new and improved planning capabilities as follows: 1. Custom Planning Tools (new) – a collection of planning utilities for some of our most-requested planning abilities. These efficient tools provide stand-alone as well as fully-integrated what-if analysis and automated result comparison for several scenarios including: a. IRA Roth conversion analysis b. Maximizing Social Security benefit c. Analyzing your choices of the age to retire d. Comparing long term impact of a lumpsum payment versus an annuity e. Comparing a taxable investment with a tax-free investment f. Will owning a home works better then renting one 2. Expanded retirement planning, including: a. Choice of entering a traditional IRA or Roth IRA (new) b. Option to automatically compute future IRA withdrawals as a percentage of living expenses (new) c. Auto compute Required Minimum Distribution – RMA (new) 3. Implemented One Big Beautiful Bill (OBBB) provisions and other tax modifications – a. Seniors’ add-on deduction and limitations (new) b. State And Local Tax (SALT) deduction and limitations (new) c. Medicare Premium auto computation with Roth income exclusion (new) 4. Report displays enhancement (new): Projected financial reports can now be seamlessly scrolled across the entire planning horizon 5. Quick help icons added to select menu items (new) 6. Several minor enhancements ### 7.2 — 2025-05-09 Highlights of this version include- • Refined projections for Needs Analysis • Enhanced cash management simulation • Refined capital needs analysis in later years when liquid capital depletes • Enhanced ability to compare financial alternatives • Updated US Income Tax computations for 2025 Tax Year ### 7.1 — 2025-05-04 Highlights of this version include- • Enhanced displays for Needs Analysis • Enhanced cash management simulation • Refined capital needs analysis in later years when liquid capital depletes • Enhanced ability to compare financial alternatives • Updated US Income Tax computations for 2025 Tax Year ## Apps similar to PlanMode | App | Rating | Price | Category | | --- | --- | --- | --- | | [When Can I Retire](https://appshunter.io/ios/app/when-can-i-retire/id1375094561) | 3.6 (60) | Free | Finance | | [Simfolio - Financial Planner](https://appshunter.io/ios/app/simfolio-financial-planner/id1559748715) | 5.0 (2) | Free | Finance | | [Retirement Investing Simulator](https://appshunter.io/ios/app/retirement-investing-simulator/id1468286155) | 4.2 (61) | Free | Finance | | [Projections:Retirement Planner](https://appshunter.io/ios/app/projectionsretirement-planner/id6447589672) | 2.0 (1) | Free | Finance | | [Retirement Calculator, Planner](https://appshunter.io/ios/app/retirement-calculator-planner/id1500376213) | 4.4 (307) | Free | Finance | | [The Retirement Planner](https://appshunter.io/ios/app/the-retirement-planner/id6462524908) | 5.0 (3) | Free | Finance | ## More apps by Sawhney Systems - [Income Tax Calculator: TaxMode](https://appshunter.io/ios/app/income-tax-calculator-taxmode/id570883946) - [GamePool-Football Pool & Party](https://appshunter.io/ios/app/gamepool-football-pool-and-party/id1106680152) - [GameBet for Football GamePool](https://appshunter.io/ios/app/gamebet-for-football-gamepool/id1131385336) - [Baseball GamePool-Match&Series](https://appshunter.io/ios/app/baseball-gamepool-match-and-series/id1216753105) - [GameBet for Baseball GamePool](https://appshunter.io/ios/app/gamebet-for-baseball-gamepool/id1234777564) All apps by Sawhney Systems: https://appshunter.io/developer/570593131 ## Related topics [financial planner family](https://appshunter.io/ios/topics/financial-planner-family) · [financial planner technology limited](https://appshunter.io/ios/topics/financial-planner-technology-limited) · [retirement planning](https://appshunter.io/ios/topics/retirement-planning) · [financial planner tool](https://appshunter.io/ios/topics/financial-planner-tool) · [family planner financial](https://appshunter.io/ios/topics/family-planner-financial) · [sawhney systems](https://appshunter.io/ios/topics/sawhney-systems) · [guidestone financial resources](https://appshunter.io/ios/topics/guidestone-financial-resources) · [fire calculator](https://appshunter.io/ios/topics/fire-calculator) · [wealth planner](https://appshunter.io/ios/topics/wealth-planner) --- *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 2026-06-09.*