# RetirePlan — Simple Retirement Planning

> Retirement financial planning and projection tool with interactive simulations. (iPhone/iPad app by Keltin Enterprises.)

- Source: https://appshunter.io/ios/app/retireplan/id435739013 (this page in markdown: same URL + `.md`)
- Developer: [Keltin Enterprises](https://appshunter.io/developer/1738708026)
- Category: Finance, Lifestyle
- Price: $4.99 with in-app purchases
- Rating: 4.30/5 from 123 App Store ratings · 88 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 58 MB
- Languages: American English
- Released: 2011-05-11
- Data updated: 2026-08-30
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/retireplan/id435739013/reviews.md

## What is RetirePlan?

RetirePlan is an iPad app that helps you answer all your questions about your retirement. If you have questions about your retirement finances, this is the app to answer them.  

When can I retire?
How much do I need to save every year?
How much money will I get every year in my retirement?
How long will my money hold out in my retirement?

In just a few seconds you can enter your data and assumptions and the graph will update to show you if your plan will work.  If you have more time to spend you can enter as much detail as you want to refine your plan.  

The sliders give you an easy way to see what different values will do to your plan.  Need to enter a value outside the slider range?  press the amount and a calculator will pop up to let you enter whatever number you need.  The slider range will update automatically.  

Bring up the spreadsheet to see all the details for every year of the plan, or check out the Monte Carlo simulator to see how likely your plan is to succeed!

Email your results.  

Use the settings to add your spouse, include or remove Social Security, and show or hide inflation and interest rates. 

Use the + button to add a pension, send a child to college, large upcoming expenses, add additional rates of return and retirement income assumptions.

Include Tax assumptions to get an even more accurate picture of your future.

## Key features

- Retirement financial planning
- Interactive data input and assumptions
- Visual graph projections
- Adjustable sliders for scenario testing
- Detailed yearly spreadsheet view
- Monte Carlo simulation for success likelihood
- Customizable settings for spouse, Social Security, and inflation

## Pricing and in-app purchases

Base price: $4.99.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 5 additional scenarios | $1.99 | one-time |
| save 5 more scenarios | $1.99 | one-time |
| save 5 more scenarios | $1.99 | one-time |
| save 5 more scenarios | $1.99 | one-time |
| 5 Scenarios | $1.99 | one-time |


## Chart rankings

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

## What do users think of RetirePlan?

Overall sentiment: mixed

**Pros**

- 👍 Easy to use and intuitive interface
- 💰 Excellent value for $5 price point
- 📊 Powerful visualization and graphical displays
- 🎯 Flexible scenario planning and what-if analysis
- 🔧 Highly customizable with many input options
- 📈 Handles multiple income streams (pensions, Social Security, etc.)
- 🎨 Simple yet comprehensive design
- 💡 Allows market crash and stress testing scenarios
- 📱 Works across iPad and iPhone platforms
- 🏆 Outperforms expensive professional planning tools
- 🤝 Responsive developer with good customer support
- 🌍 Works with multiple currencies
- 📤 Export functionality to Excel

**Cons**

- 🚫 Not relevant or useful outside the US
- ⚠️ Recent updates significantly degraded user experience
- 🔐 New account requirement and cloud data storage concerns
- 🎚️ Difficult slider controls for data input
- 📉 Y-axis scale changes dynamically while entering data
- 🔄 Data loss from previous versions after updates
- 🧭 Navigation more difficult in recent versions
- 📱 Orientation and display issues on MacOS
- ⚙️ Lacks advanced financial modeling capabilities
- 🔢 Oversimplified calculations compared to professional tools
- 💾 Lost offline functionality with account requirement
- 🎯 Withdrawal sequence logic doesn't match real-world behavior
- 🚫 Limited support for complex family scenarios

**Commonly reported bugs**

- App freezes and becomes unresponsive
- Data from previous versions lost after updates
- Y-axis scale changes unexpectedly during data entry
- Slider controls are unresponsive or difficult to use
- Orientation issues switching between portrait and landscape
- MacOS version has sizing issues and artifacts
- Unexplained savings increase at age 69 despite depleted funds
- Rate of return not properly applied to all investment types
- Support email address no longer functional

**Most requested features**

- Monte Carlo simulation for variable market returns
- Sequence of returns risk analysis
- Different retirement dates for spouses
- Different rates of return for different asset types
- Required Minimum Distribution (RMD) calculations
- Roth IRA conversion planning
- Survivor benefits for pensions
- Spouse pension income support
- Tax rate customization
- Withdrawal rate display
- Web-based or native MacOS application
- Detailed help documentation for calculation methodology
- Ability to designate different tax rates for different income sources
- Support for employer pension inputs
- Historical market data integration

## Recent user reviews (10 of 88)

All indexed reviews: https://appshunter.io/ios/app/retireplan/id435739013/reviews.md

### 1/5 — Useless outside US

*2026-01-21, version 2.0.11*

Not relevant outside US and not made clear in description

### 1/5 — Don't waste your money

*2024-10-18, version 2.0.6*

This is worse than just a spreadsheet using basically excel calculations.  No Monte Carlo, no sequence of returns, no configuration of failure modes. Huge ripoff, avoid

### 2/5 — It keeps getting worse

*2024-08-19*

This was a great app 10-15 years ago when I bought it.  Easy to use, didn’t require an account (wherein my data can be stolen) and didn’t lose my spreadsheets.  This latest revision undid all that.  Numbers I’d entered years ago are lost and now I can’t see how that plan worked out.  Navigating is more difficult; I can’t just type in a number but have to use their goofy and uncontrollable slider.  The y-axis scale changes as I enter new data.  This app just keeps getting worse with every revision and it’s time I found a new one.  You should, too.

### 5/5 — An Outstanding Aid to Retirement Planning

*2024-05-22*

I made a previous, positive review of this app, but now that I have had an opportunity to play more with it I owe it to the author to expand my review. This app allows you to factor in market corrections, major crashes, and changes in portfolio rates of return as one gets older. In addition, it allows the user to factor in a variety of future expenses and income streams. For the small cost this planning app is an essential tool for evaluating risk tolerance scenarios and life changes. I recommend it to everyone.

### 1/5 — New design

*2024-02-21, version 2.0.4*

I use to love this app and found it very useful.  I wish I had not downloaded the update.  The new version is terrible and not user friendly.

### 4/5 — Welcome improvement - excellent customer service!

*2024-01-31*

After using this app and loving it for several years, the visual layout and functionality was totally redesigned last year.  At that time, the app took 10 steps backward, IMO, and I gave it a one star review and began looking for another retirement app.  >>> UPDATE:  I also sent an email to the developer stating my complaint.  To his credit, he responded quickly and communicated the reasoning behind the update AND addressed some of the issues that I had.  The most recent update is a much improved version, I am updating my review to four stars.  I still like the previous version (prior to the redesign) better, but for now, this is a very good app.

### 5/5 — New update - veery niice

*2024-01-31, version 2.0.3*

I wrote the previous review, lamenting the fact that the initial revision of this app did not show all the variables on the left-hand column the way the previous one did. That’s been updated and now I would say this is about as good as it gets.  Thank you developers!

### 5/5 — Nice, Simple App

*2024-01-28*

Read some of the reviews and felt compelled to add my own. Firstly, you should ignore most of the reviews that are years old, as they include complaints that have long since been addressed. More recent complaints seem to be the app lacking the ability to address RMD’s or different retirement dates for spouses. This appears to be true, however, I would counter that this is well beyond the intended scope of this app. This is a great tool for simple “what if’s?” to assess the feasibility of various saving or spending scenarios. Simply put, it can get you in the ballpark. Expecting a $5 iPad app to calculate a comprehensive retirement plan is simply unreasonable - the real world is far too complex. If you want to have some fun and noodle around with savings levels, retirement dates and the like, have at it, you won’t be disappointed. I have been using it for years in this way. Poke around the drop down list when you select “+” and you be able to concoct some workarounds to help with your specific situation. ****Jan 2024 Update**** Late 2023 provided a clunky update that moved all input to tiles along the bottom of the screen. Another update in Jan 2024 has already addressed this, moving the inputs back to the left side of the screen where they started. Note that at some point (not sure when), RMD’s were added, but it is still not possible to designate different retirement dates for spouses. Still the best five bucks I ever spent.

### 5/5 — Now on iphone!!!

*2024-01-28, version 2.0.2*

Yay, now on my iphone not just ipad, thank you.

### 1/5 — Once was great

*2023-12-01, version 2.0.0*

Wonderful until now. The upgrade ruined it.

## Frequently asked questions about RetirePlan

### What does RetirePlan do?

RetirePlan is an iPad application designed to help users answer critical questions about their retirement finances. It allows you to input your financial data and assumptions to generate projections and assess the viability of your retirement plan.

### What are the key features of RetirePlan?

Key features include interactive data input with adjustable sliders, visual graph projections of your plan's success, a detailed yearly spreadsheet view, and a Monte Carlo simulator to assess the likelihood of your plan succeeding. You can also customize settings for spouse, Social Security, inflation, and add various income and expense scenarios.

### How much does RetirePlan cost?

The application is free to download and use, but it offers in-app purchases. This suggests that while core functionality may be available for free, certain advanced features or content might require an additional purchase.

### What kind of questions can RetirePlan answer?

The app is designed to answer questions such as 'When can I retire?', 'How much do I need to save each year?', 'How much money will I receive annually in retirement?', and 'How long will my money last during retirement?'

### Can I share my retirement plan results?

Yes, you can email your retirement plan results directly from the application. This allows you to share your projections and analysis with financial advisors, family members, or for your own records.

## Version history (last 5 releases)

### 2.1.0 — 2026-08-15

- Corrected how we include taxable gains for all ROTH conversions
- Update 401k RMD table to match current US tax law
- Include full precision in RetirePlan email from the Share Menu
- Allow up to 20% returns on investments
- Various version and performance improvements

### 2.0.11 — 2025-11-26

Major new features have been added! 

Monte Carlo Simulation
Cost Basis Support
ROTH Conversion Event
Drag and Drop ordering of Events
Performance improvements and bug fixes

### 2.0.10 — 2025-06-01

- Added option under the Share menu to Email both the PDF and the CSV exports together.
- Fixed the clipped graph image that was being Shared.
- Various minor bug fixes.
- Upgrades to support iOS 18.

### 2.0.9 — 2025-03-21

Fixed an issue with the help screen crashing.

### 2.0.8 — 2025-03-19

This release has two quick fixes in it.  The first is a fix for the messed up Pie Charts in the last release.  The second helps make sure that that Events always have valid values.

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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 2026-08-30.*