RetirementPlannerSimulator

RetirementPlanner is a privacy-first retirement planning app that runs entirely on your device. No account. No server. No tracking. Every calculation — from Social Security optimization to estate tax exposure — happens on your iPhone, iPad, or Mac. COMPREHENSIVE TAX-AWARE PROJECTIONS Year-by-year projections that account for federal income tax across all brackets, capital gains tax, Medicare IRMAA surcharges, Net Investment Income Tax, ACA marketplace premium credits, and all 50 states + D.C. state income tax. One plan covers the complete picture. SOCIAL SECURITY OPTIMIZER Evaluate claiming ages 62–70 for yourself and your spouse. See breakeven analysis, COLA projections, and the long-term dollar impact of every timing decision. ROTH CONVERSION ENGINE Three conversion modes: standard bracket fill, IRMAA-aware (stays under Medicare premium thresholds), and minimize conversions (fills the bracket until Traditional is low enough to keep future RMDs in check). Conversion tax can be paid from the converted funds or from a taxable account. TAX-SMART WITHDRAWAL STRATEGY Six-tier withdrawal engine across eight named strategies — Spending Needs, Fixed Amount, Fixed Percentage, Maximum Spending, Guardrails, Tax-Aware, Sequence of Returns, and Lifetime Income. Dynamic spending guardrails set a ceiling and floor on year-over-year adjustments. REQUIRED MINIMUM DISTRIBUTIONS Annual RMD calculations using the IRS Uniform Lifetime Table with SECURE Act 2.0 updates, automatically factored into the withdrawal plan. SEPP / 72(t) CALCULATOR Early access to retirement accounts without the 10% penalty. All three IRS-approved methods: fixed amortization, fixed annuitization, and required minimum distribution. ACA SUBSIDY CALCULATOR Estimates ACA marketplace premium tax credits based on projected Modified Adjusted Gross Income. Roth conversions and other income shifts show their subsidy impact before you commit. MONTE CARLO RISK ANALYSIS Historical simulation using 98 years of S&P 500 annual returns (1928–2025) and a parametric mode. Parallel execution for fast results. Reports portfolio success rate, median ending balance, and sequence-of-returns risk. SENSITIVITY ANALYSIS AND PERMUTATION SEARCH Tornado-chart sensitivity across return, inflation, withdrawal amount, and Social Security timing. Grid search across hundreds of plan combinations filtered by your target success rate. BUILT TO TEACH, NOT JUST CALCULATE A 100+ term plain-language glossary and a guided tutorial on every screen explain the jargon — MAGI, IRMAA, RMDs, capital gains, Roth conversions — right where the numbers appear. The report tables show their work (see exactly how each year's taxable capital gain, MAGI, and tax bill are built), and a Reference Data browser lets you inspect the actual IRS brackets, IRMAA thresholds, and state rates behind your projection. Great for learning the mechanics, prepping for a meeting with an advisor, or younger savers modeling how today's choices compound and what they cost in taxes decades later. ICLOUD SYNC — PRIVATE BY DESIGN Your plans sync privately through your own Apple iCloud account. Easy Chair Apps Lab never has access to your data. iCloud sync is optional — the app works fully offline. PRO UNLOCK — ONE-TIME PURCHASE The planning and analysis features above are free. Pro (one-time purchase) adds CSV export from any report page, full PDF report generation, JSON import and export for Personal Data and Plan Strategy, permutation drill-down, and save-as-strategy.