Retirement Gap: Planner

Your income changes. Your retirement plan can adapt. Retirement Gap is a private retirement savings planner for freelancers, contractors, founders, creators, and anyone whose pay is not perfectly monthly. START WITH YOUR LIFE Tell it what a normal month costs, when you want work to become optional, the retirement lifestyle you want, what you have saved, and other reliable retirement income. Using an editable real-return assumption after inflation, Retirement Gap calculates one clear number: the monthly saving pace that could support that life. MAKE EVERY MONTH FIT THE YEAR Turn the projection into an annual target and record each retirement contribution on the day you make it. A calm year map shows the rhythm. A strong month lowers the pace for later months; finishing a lean month redistributes the year—without streaks, scores, or shame. FREE • One complete retirement scenario • Required monthly saving in today’s dollars • Editable retirement age, contribution, real-return, and withdrawal assumptions • Daily contribution check-ins and current-year activity map • Explicit month completion for recalculating the remaining pace • Year-to-date progress and remaining monthly pace • Optional private reminder • Home Screen widget RETIREMENT GAP PRO • Unlimited scenarios with side-by-side comparison • Focused editor for each possible path • Complete editable contribution history • Concise PDF retirement brief • Spreadsheet-ready contribution CSV • Portable local backup and validated restore • Purchase restore with your Apple Account PRIVATE BY DESIGN No sign-in. No bank or brokerage connection. Financial inputs stay in the app’s local container. Anonymous analytics, when enabled, sends only predefined parameter-free feature event names—never ages, balances, income, contributions, goals, labels, or free text—and can be turned off in More. No advertising or cross-app tracking. ASSUMPTIONS YOU CAN SEE Results are educational scenarios, not predictions, guarantees, tax calculations, investment recommendations, or a financial plan. Retirement Gap does not recommend securities, accounts, contribution limits, or tax strategies.