# Retirement Success Graph — Plan Decades in Seconds

> Advanced retirement planning with Monte Carlo simulations and privacy-first design. (iPhone/iPad app by Kevin Donahue.)

- Source: https://appshunter.io/ios/app/retirement-success-graph/id6752217522 (this page in markdown: same URL + `.md`)
- Developer: [Kevin Donahue](https://appshunter.io/developer/1838283089)
- Category: Finance, Education
- Price: Free with in-app purchases
- Rating: 5.00/5 from 5 App Store ratings · 1 written reviews indexed
- Age rating: 17+
- Requires: iOS 18.6 · 3 MB
- Languages: American English
- Released: 2025-09-19
- Data updated: 2026-07-18
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/retirement-success-graph/id6752217522/reviews.md

## What is Retirement Success Graph?

Whether you're testing your FIRE retirement plan or just starting, Retirement Success Graph makes professional retirement planning available to everyone.

POWER + PRIVACY:  
Powered by a Monte Carlo Engine performing up to 10,000 simultaneous simulations, Retirement Success Graph stress-tests your retirement plan using 100+ years of US market & economic data. A privacy-first architecture ensures that no data leaves your device.  No subscriptions. No registration. No ads. 

MISTAKE-FREE MODE:
The new 'Guide Me' mode offers a simple Q&A to create or modify your retirement plan. Whether you're new to planning or already have your plan, the 'Guide Me' mode allows mistake-free planning for your financial independence.

Core Analysis Tools:
Stress test your retirement plan with sophisticated Monte Carlo modeling—the same techniques used by financial advisors managing millions. Created specifically for FIRE (Financial Independence, Retire Early), Bogleheads, investors, and pre-retirees aged 40-65.

- Monte Carlo Model powered by 100+ years of economic data
- Free version: 50 simultaneous simulations
- Success probability analysis with confidence intervals
- Inflation-adjusted projections to age 95
- Interactive charts showing portfolio growth trajectories
- 4% rule validation with multiple withdrawal strategies
- NEW: Guide Me interview mode 
- NEW: What-If Adjustments with suggested changes to improve your plan

Premium Upgrade Features ($4.99 One-Time):
- 10,000 simultaneous Monte Carlo simulations for maximum accuracy
- Social Security claiming optimization with spousal benefit coordination
- Advanced Withdrawal Methods: Dynamic, Bucket Strategy, Bond Ladder, Total Return
- Dedicated Pre-Tax & Post-Tax Savings Balances
- Required Minimum Distribution (RMD) Mapping
- Variable Expense Options Allow Changes at Varying Ages
- Recurring Income Incorporates Pension, Annuity, Trust, & Rental Income
- Windfall Imports for Home Sale, Windfall, Insurance Payout, Sale of Business, & Inheritance
- Configurable Time Horizon to Adapt Your Plan for Longer/Shorter Windows
- Configurable PDF Reports - Executive, Detailed, Advisor, or Charts-Only formats
- Professional exports in PDF, PNG, HTML, and CSV formats
- Unlimited scenario comparison and saving

What Makes This Different:
Most retirement calculators rely on oversimplified assumptions, like a single rate of return, inflation, or expenses. This app applies industry-proven Monte Carlo modeling to stress-test your plan against 100 years of U.S. market & economic history, including market crashes, inflation spikes, and sequence-of-returns risk.

One-Time Purchase Philosophy:
No subscriptions. No registration. Buy once, own forever. Professional-grade tools without fees or data harvesting.

Perfect for DIY investors, pre-retirees working with financial advisors, and anyone serious about retirement readiness.

From the Developer:
"Financial independence shouldn't require choosing between expensive subscriptions or surrendering your data privacy. Whether pursuing FIRE, early retirement, or traditional planning, Retirement Success Graph app delivers Wall Street-level Monte Carlo analysis to everyone." -- Kevin Donahue


Understanding Monte Carlo Simulation:
Monte Carlo models use statistics and mathematics to predict unknown future events. Unlike simple calculators that assume constant returns, Monte Carlo scenarios incorporate uncertainty and randomness.

Example: The distance between buildings is constant, but travel time varies with traffic, weather, and delays. A Monte Carlo model simulating 1,000 trips determines median travel time and probability ranges.
For retirement planning, Monte Carlo models use decades of economic variables. This app performs up to 10,000 model runs, continuously changing investment returns, inflation rates, expense variations, & volatility to determine your success probability—providing statistical accuracy previously available only through paid advisors.

## Key features

- Monte Carlo modeling with 100+ years of economic data
- Privacy-first architecture, no data leaves device
- Guided 'Guide Me' interview mode for mistake-free planning
- What-If Adjustments for plan improvement
- Success probability analysis with confidence intervals
- Inflation-adjusted projections

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Premium | $4.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/retirement-success-graph/id6752217522/reviews.md

### 5/5 — Excellent App

*2025-09-27*

This app is easy to use and makes your chance for success that much higher.  Give it a try!!

## Frequently asked questions about Retirement Success Graph

### What is Retirement Success Graph's core functionality?

Retirement Success Graph provides professional-grade retirement planning using Monte Carlo simulations. It stress-tests your plan against over 100 years of US market and economic data to assess success probability and inflation-adjusted projections.

### How does Retirement Success Graph ensure user privacy?

The app features a privacy-first architecture where all data processing occurs directly on your device. No personal financial data is transmitted or stored by the developer, ensuring complete confidentiality.

### What is the 'Guide Me' mode in Retirement Success Graph?

The 'Guide Me' mode offers a simplified question-and-answer interface to help users create or modify their retirement plans. This feature is designed for mistake-free planning, making it accessible for both beginners and experienced planners.

### What are the benefits of the premium upgrade for Retirement Success Graph?

The premium upgrade, a one-time purchase of $4.99, unlocks advanced features like 10,000 Monte Carlo simulations, Social Security optimization, advanced withdrawal methods, and detailed PDF/professional exports.

### Does Retirement Success Graph have ads?

No, Retirement Success Graph is ad-free. The developer explicitly states 'No ads' and follows a one-time purchase philosophy for all features.

### What is the update frequency for Retirement Success Graph?

The app was last updated on March 4, 2026, indicating active development. The current version is 2.5, suggesting regular improvements and feature additions.

### What devices does Retirement Success Graph support?

Currently, Retirement Success Graph is supported on iPhone devices. Future platform expansions may be considered based on user demand and development resources.

### How does Retirement Success Graph differ from other retirement calculators?

Unlike calculators with oversimplified assumptions, Retirement Success Graph utilizes industry-proven Monte Carlo modeling. This method accounts for market volatility, inflation spikes, and sequence-of-returns risk by simulating over 100 years of historical data.

## Version history (last 5 releases)

### 2.5 — 2026-03-04

- Tax Bracket Support (Free Version)
- (PREMIUM) Expanded savings models to support pre-tax (IRA, 401k), post-tax (Roth IRA, Roth 401k), and non-tax advantaged
- (PREMIUM) Added Required Minimum Distribution (RMD) modeling
- (PREMIUM) Social Security Spouse Benefit claiming options
- (PREMIUM) Expanded Scenarios support
- (PREMIUM) Expanded Exports support

### 2.1 — 2025-12-12

Expanded Retirement Age support
Revised Withdrawal Method support (Premium)
Bug/Layout Fixes

### 2.01 — 2025-11-26

- NEW: Guide Me interview mode 
- NEW: What-If Adjustments with suggested changes to improve your plan

PREMIUM ($4.99 One-Time):
- NEW: Advanced Withdrawal Methods: Dynamic, Bucket Strategy, Bond Ladder, Total Return
- NEW: Variable Expense Options Allow Changes at Varying Ages
- NEW: Recurring Income Incorporates Pension, Annuity, Trust, & Rental Income
- NEW: Windfall Imports for Home Sale, Windfall, Insurance Payout, Sale of Business, & Inheritance
- NEW: Configurable Time Horizon to Adapt Your Plan for Longer/Shorter Windows
- NEW: Configurable PDF Reports - Executive, Detailed, Advisor, or Charts-Only formats
- NEW: Professional exports in PDF, PNG, HTML, and CSV formats

### 2.0 — 2025-11-26

New in Version 2.0:

FREE:
- NEW: Guide Me interview mode 
- NEW: What-If Adjustments with suggested changes to improve your plan

PREMIUM ($4.99 One-Time):
- NEW: Advanced Withdrawal Methods: Dynamic, Bucket Strategy, Bond Ladder, Total Return
- NEW: Variable Expense Options Allow Changes at Varying Ages
- NEW: Recurring Income Incorporates Pension, Annuity, Trust, & Rental Income
- NEW: Windfall Imports for Home Sale, Windfall, Insurance Payout, Sale of Business, & Inheritance
- NEW: Configurable Time Horizon to Adapt Your Plan for Longer/Shorter Windows
- NEW: Configurable PDF Reports - Executive, Detailed, Advisor, or Charts-Only formats
- NEW: Professional exports in PDF, PNG, HTML, and CSV formats

### 1.0.1 — 2025-09-20

- Updated visuals

## Apps similar to Retirement Success Graph

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [RetirementSimulatorApp](https://appshunter.io/ios/app/retirementsimulatorapp/id6752816510) | 5.0 (1) | Free | Finance |
| [Retirement Advisor](https://appshunter.io/ios/app/retirement-advisor/id6740252670) | 5.0 (5) | Free | Finance |
| [Retirement Investing Simulator](https://appshunter.io/ios/app/retirement-investing-simulator/id1468286155) | 4.2 (61) | Free | Finance |
| [The Retirement Planner](https://appshunter.io/ios/app/the-retirement-planner/id6462524908) | 5.0 (3) | Free | Finance |
| [FIRE and Retirement Calculator](https://appshunter.io/ios/app/fire-and-retirement-calculator/id1598080116) | 5.0 (2) | $9.99 | Finance |
| [My Assets+](https://appshunter.io/ios/app/my-assets-plus/id1592367070) | 3.0 (1) | $0.99 | Finance |

## More apps by Kevin Donahue

- [GenCheck](https://appshunter.io/ios/app/gencheck/id6756020124)
- [Rennch](https://appshunter.io/ios/app/rennch/id6758914523)
- [90 Days in Europe Schengen](https://appshunter.io/ios/app/90-days-in-europe-schengen/id6760942326)

All apps by Kevin Donahue: https://appshunter.io/developer/1838283089

---

*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 2026-07-18.*