# Retirement Investing Simulator — Retire Investment Calculator

> Retirement investment simulator using historical market data for scenario planning. (iPhone/iPad app by Workman Consulting LLC.)

- Source: https://appshunter.io/ios/app/retirement-investing-simulator/id1468286155 (this page in markdown: same URL + `.md`)
- Developer: [Workman Consulting LLC](https://appshunter.io/developer/430118017)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.10/5 from 62 App Store ratings · 10 written reviews indexed
- Age rating: 4+
- Requires: iOS 12.2 · 6 MB
- Languages: American English
- Released: 2019-06-25
- Data updated: 2026-08-16
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/retirement-investing-simulator/id1468286155/reviews.md

## What is Retirement Investing Simulator?

When can I retire? Will my retirement investment portfolio outlast me? Is my retirement nest egg (or projected nest egg) enough to retire? How much money will I leave to my heirs? How much invested money do I need to reach financial independence & retire early (FIRE)? No-one can ever know for sure, but if you model the future based on the past you can calculate what is LIKELY to happen in retirement.

There are many retirement calculators where you select a reasonable rate of inflation & return, but no retirement portfolio is likely to generate a static rate over time. Stock market volatility is the killer! Suffering through a drop in the stock or bond market at the wrong time can make a tremendous difference in your overall outcome. Only after you simulate the past can you confidently plan for the future. The Retirement Investing Calculator Simulator is UNIQUE in this stock market calculation.

The Retirement Investing Calculator Simulator uses actual stock market & inflation data from every month in 1871 to 2020. It takes the actual United States stock market return (S&P 500), U.S. bond market return (GS10), & inflation numbers from each month to simulate thousands of historically-accurate retirement scenarios.

Simply enter your retirement portfolio amount, annual spending & years in retirement; the Retirement Investing Calculator Simulator will calculate your personalized results, running up to several million calculations in the simulator to determine how you would’ve fared (and are likely to succeed in the future). Further personalize your Retirement Investing Calculator Simulator results by changing the stock / bond mix, fund fees, calculator term, annual amount saved & years until retirement via Advanced mode. You can also randomize (for simulator) all the months of history for an even wider range of retirement simulator scenarios.

The Retirement Investing Calculator Simulator lets you save or email your retirement simulator results; come back and try different retirement simulator choices!

The Retirement Investing Calculator Simulator is a Monte-Carlo style simulator using historical stock & inflation numbers to determine likelihood of success vs failure. Customize your own retirement calculation per your preferences. The Retirement Investing Calculator Simulator uses data from the S&P 500, the 10 Year Treasury Bond, & the Consumer Price Index (inflation). The Retirement Investing Calculator Simulator also uses their precursors for years before they existed.

Disclaimer: The information & calculations in this Retirement Investing Calculator Simulator are for educational purposes only, and do not constitute financial advice. Contact a licensed financial planner for specific retirement advice and for making retirement financial decisions. All data points included are correct to the best of our knowledge, but no warranty is made regarding the accuracy or applicability of this data or calculations. The owners / authors of this application (including Workman Consulting LLC) hereby disclaim all responsibility for any use / misuse of this application and the data provided by this application. The authors of this app do not give any warranty as to the accuracy, reliability or completeness of information; and do not accept any liability for any error or omission on this app or for any resulting loss or damage suffered by the recipient or any other person. By downloading and/or using the application, you agree to these terms. Past returns are not indicative of future performance. Even if a retirement investing financial strategy would’ve survived 100% of past simulation scenarios, it does not guarantee that it will do so in the future.

Retirement Investing Calculator Simulator Keywords: retire, calculate retirement portfolio, investing &investment, simulation, simulate, Monte Carlo Retirement Simulator, stocks, bonds, stock market, account, inflation, Financial Independence Retire Early, FIRE

## Key features

- Simulates millions of retirement scenarios
- Uses historical stock market data (1871-2020)
- Calculates portfolio longevity and inheritance
- Customizable stock/bond mix and fees
- Saves and emails results
- Monte-Carlo style simulation

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Upgrade to Retirement Sim Pro | $0.99 | one-time |


## Recent user reviews (10 of 10)

All indexed reviews: https://appshunter.io/ios/app/retirement-investing-simulator/id1468286155/reviews.md

### 1/5 — Just crashes

*2025-06-04*

Just crashes

### 1/5 — Crashes with iOS 16.2-17.4

*2024-03-23*

Immediately crashes on iPhone SE A2595. (3rd gen). Other apps by this developer run on this unit. Hope this gets sorted out soon.

### 1/5 — Crashes on open (iOS 17.1)

*2023-11-18*

Just crashes and closes.

### 1/5 — Crashes with iOS 16.2

*2023-01-19, version 1.0.5*

Immediately crashes on iPhone SE A2595. (3rd gen). Other apps by this developer run on this unit. Hope this gets sorted out soon.

### 1/5 — Crashes with iPad Pro

*2022-08-01*

Downloaded then attempted to open but immediately crashes and closes.

### 5/5 — All you need

*2022-02-18*

I’ve worked for over 30 years in investment planning. We had an overly expensive software package that did the same calculations. I’m retired now and settled on this app to plan and monitor my retirement. This is all you need to see if you have the assets to retire and provide a certain level of income and you can use to see if you are on track in retirement.

### 1/5 — Absolute waste of money

*2021-06-06*

Useless can not alter any of the values the years mean nothing

### 1/5 — Very limited and general.

*2020-11-16*

Not very helpful.

### 3/5 — Love the idea, doesn’t work well on small screen

*2020-11-13*

Doesn’t work well on a small screen, iPhone SE 1st gen. Otherwise love the idea of the app. When looking at the detailed results they only appear on the bottom 1/2” of the screen and very hard to read.

### 5/5 — Innovative Calculator

*2019-06-25*

Helps me figure out if I will be able to retire on time.  I can test my portfolio and plans against 150 years of history to see how it stacks up

## Frequently asked questions about Retirement Investing Simulator

### What is Retirement Investing Simulator?

Retirement Investing Simulator is a tool that uses historical stock market and inflation data to model potential retirement outcomes. It helps users understand the likelihood of their investments lasting throughout retirement and how much they might leave to heirs.

### How does Retirement Investing Simulator use historical data?

The simulator incorporates actual U.S. stock market (S&P 500), bond market (GS10), and inflation data from 1871 to 2020. It runs thousands of historically-accurate retirement scenarios based on this information.

### Can I customize my retirement scenarios in Retirement Investing Simulator?

Yes, you can personalize results by adjusting the stock/bond mix, fund fees, calculator term, annual savings amount, and years until retirement in the Advanced mode. You can also randomize historical months for a wider range of outcomes.

### What devices does Retirement Investing Simulator support?

Retirement Investing Simulator is available on iPhone, iPad, and iPod devices. It is designed for users who want to plan their retirement on the go.

### Does Retirement Investing Simulator have ads?

Yes, Retirement Investing Simulator contains advertisements. This allows the app to remain free for users to access its financial planning features.

### What is the age rating for Retirement Investing Simulator?

Retirement Investing Simulator has an age rating of 4+. This indicates it is suitable for a wide audience, though its financial planning content is most relevant to adults.

### How often is Retirement Investing Simulator updated?

The latest version of Retirement Investing Simulator is 1.0.6, which was last updated on March 22, 2024. Updates typically bring improvements and ensure compatibility with newer operating systems.

### Is Retirement Investing Simulator free to use?

Retirement Investing Simulator is free to download and use, with the option for in-app purchases. This model allows users to access core features without an upfront cost.

## Version history (last 5 releases)

### 1.0.6 — 2024-03-22

Updated to latest IOS
Updated financial data

### 1.0.5 — 2022-12-16

Updated to meet current standards

### 1.0.4 — 2021-03-08

Added data from 2020 / 2021

### 1.0.3 — 2020-10-07

-Fixed issue with decimal values
-Fixed minor screen display issues

### 1.0.2 — 2020-02-06

Added stock data through 1/2020
Improved Menu
Added Dark Mode support

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All apps by Workman Consulting LLC: https://appshunter.io/developer/430118017

## Related topics

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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 2026-08-16.*