# Retire with the S&P 500

> Retirement planning tool simulating S&P 500 portfolio performance and risk. (iPhone/iPad app by Jacqueline Ghosin.)

- Source: https://appshunter.io/ios/app/retire-with-the-s-and-p-500/id882347993 (this page in markdown: same URL + `.md`)
- Developer: [Jacqueline Ghosin](https://appshunter.io/developer/537390168)
- Category: Finance, Lifestyle
- Price: $1.99
- Rating: 3.00/5 from 2 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 11.0 · 25 MB
- Languages: American English
- Released: 2014-06-04
- Data updated: 2026-08-22
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/retire-with-the-s-and-p-500/id882347993/reviews.md

## What is Retire with the S&P 500?

Learn how to retire strategically with a portfolio of the S&P 500 stocks.
This app gives the retired individual who wishes to hold a mix of short term treasury bonds and an ETF which mimics the S&P 500* the ability to assess the size of their final estate based on four factors:

● Value of his starting portfolio
● Percentage held in money market funds
● Yearly expense requirements
● Years of life remaining
● Effective tax rates

Vary any or all factors dynamically and determine the financial results and the associated risk.

Simulate retiring in prior time periods given your current financial strategy.

The app will simulate a retirement  based on your inputs and on historical S&P growth rates and inflation rates to estimate a range of possible outcomes. The series of retirement outcomes are generated from 1910 to the present in one year increments.

The results are shown in simple and easy to understand graphical and numeric form.

*Warren Buffett in his 2013 letter to stockholders recommended just such a portfolio for the average individual because of its low expense ratio and performance superior to most professional money managers.

## Key features

- Retirement portfolio simulation
- Assess estate size
- Dynamic factor adjustment
- Historical performance simulation
- Graphical and numeric results
- Risk assessment

## Chart rankings

- #119 in Top Paid · Finance (US App Store)

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/retire-with-the-s-and-p-500/id882347993/reviews.md

### 5/5 — Excellent Retirement Planning App

*2014-06-25*

Retire with the S&P 500 gives retired and people near retirement, a useful tool to look into the future and measure the various probabilities of the size of their ultimate estate.  Retire with the S&P 500 illustrates a suggestion from Warren Buffett in his 2013 letter to stockholders.  Mr. Buffett recommends the purchase of an S&P 500 index fund for the average individual investor, who has not made the study of business prospects a priority in their lives. 

This app enables users to vary their asset allocation to cash (short term treasury notes, CDs, money market fund deposits and fixed income investments) and an S&P 500 index fund. 

Retire with the S&P 500 presents the range of probabilities for the size of the ultimate estate based on four factors.

1. Value of their starting portfolio

2. Percentage held in bonds and cash equivalents

3. Yearly personal expense requirements

4. Years of life remaining 

Vary any factor and gain perspective on creating personal risk profiles and asset allocation models. 

From what I read, Retire with the S&P 500 simulates a retirement using S&P 500 Index data beginning in 1910 to present, using the actual historical S&P growth rates and inflation rates to generate possible outcomes into the future and their associated probabilities. 

Once the four variables are entered, the results are shown in simple, easy to read graphical and numerical form.

There are other "financial calculators" offered by insurance companies, mutual funds and brokerage firms, however, who wants to risk conveying all their personal data to them?

Using this app on my iPad only I can see the inputs and the results. 

This is a great app!

## Frequently asked questions about Retire with the S&P 500

### What is the cost of Retire with the S&P 500?

Retire with the S&P 500 is a paid app, costing $1.99. This one-time purchase grants access to all its features without further charges.

### How often is Retire with the S&P 500 updated?

The app was last updated on August 23, 2023, with version 2.9. This indicates regular maintenance and potential feature additions.

### What devices support Retire with the S&P 500?

Retire with the S&P 500 is available on iPhone, iPad, and iPod. It is designed for Apple's mobile ecosystem.

### What is the age rating for Retire with the S&P 500?

The app has an age rating of 4+, making it suitable for a wide range of users. This suggests no mature content is present.

### Does Retire with the S&P 500 have ads?

No, Retire with the S&P 500 is ad-free. Users can enjoy the financial planning tools without any advertisements interrupting their experience.

### What financial factors can I adjust in Retire with the S&P 500?

You can dynamically adjust the value of your starting portfolio, the percentage held in money market funds, yearly expense requirements, years of life remaining, and effective tax rates.

### How does Retire with the S&P 500 simulate retirement outcomes?

The app simulates retirement based on your inputs and historical S&P growth and inflation rates. It generates a range of possible outcomes from 1910 to the present in one-year increments.

### What is the user sentiment for Retire with the S&P 500?

Based on the available data, the app has a perfect rating of 5.0 stars from 1 rating, indicating a highly positive user experience.

## Version history (last 5 releases)

### 2.9 — 2023-08-23

Bug fixes and performance improvements

### 2.8 — 2018-05-14

This app has been updated by Apple to display the Apple Watch app icon.

Data import improvements and minor bug.

### 2.7 — 2018-02-16

Data refresh modifications for S&P 500

### 2.6 — 2018-01-25

Bug fix - App crashes

### 2.5 — 2017-10-08

Update for iPhone X and IOS 11

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## More apps by Jacqueline Ghosin

- [Irish Hills](https://appshunter.io/ios/app/irish-hills/id537390165)
- [Planet Recipe](https://appshunter.io/ios/app/planet-recipe/id590878471)
- [Planet Recipe for iPhone](https://appshunter.io/ios/app/planet-recipe-for-iphone/id593128078)
- [Artisan Bread Maker](https://appshunter.io/ios/app/artisan-bread-maker/id657247840)
- [Artisan Bread for  iPad](https://appshunter.io/ios/app/artisan-bread-for-ipad/id993444714)

All apps by Jacqueline Ghosin: https://appshunter.io/developer/537390168

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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 2026-08-22.*