# RetireSure Simulator — Monte Carlo Retirement Calc

> Retirement planning simulator using Monte Carlo simulations and historical market data. (iPhone/iPad app by Steve Bridgewater.)

- Source: https://appshunter.io/ios/app/retiresure-simulator/id6759893498 (this page in markdown: same URL + `.md`)
- Developer: [Steve Bridgewater](https://appshunter.io/developer/1880081905)
- Category: Finance
- Price: Free with in-app purchases (on sale, was $49.99)
- Rating: 5.00/5 from 3 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 2 MB
- Languages: American English
- Released: 2026-03-04
- Data updated: 2026-08-16
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/retiresure-simulator/id6759893498/reviews.md

## What is RetireSure Simulator?

Will your money last through retirement?
RetireSure uses real historical market data to show whether your retirement plan actually works — not just on average, but in good and bad markets.
Run 10,000 Monte Carlo simulations based on 76 years of U.S. market returns (1950–2025) and see your true probability of success.
Understand your plan clearly:
• See your chance of running out of money
• Test worst-case market scenarios
• Find your safe annual spending level
• Model different spending by age range — for SS bridge gap planning
• Compare different retirement ages and strategies
• Adjust inputs instantly and see results in real time
Most retirement calculators assume smooth, average returns. Real markets don't behave that way.
RetireSure stress-tests your plan against real historical conditions — including crashes, inflation spikes, and sequence-of-returns risk — so you can make decisions with confidence.
Built for serious retirement planning:
• No subscriptions — one-time purchase
• Outcome range — median, worst 10%, best 10% scenarios
• Clean, simple interface
• Fast results in seconds
• Based on real market history, not assumptions
Know where you stand before you retire and how it's going during retirement

## Key features

- Monte Carlo simulations
- Historical market data analysis
- Probability of success calculation
- Safe annual spending level determination
- Worst-case scenario testing
- Compare retirement ages and strategies

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| RetireSure Simulator | $14.99 | one-time |


## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/retiresure-simulator/id6759893498/reviews.md

### 5/5 — Worth it

*2026-08-02*

I really like this because (1) it’s a one time fee (no subscription fees) and (3) it answers critical questions that most retirement calculators don’t. What are the odds that I will be secure and comfortable in my retirement even if the economy were to crash shortly after. What is the likely impact to how long my  retirement fund roll last if I change the date I retire or start collecting my Social Security benefit (SSB). What happens if my SSB is substantially cut by the time I qualify for it? It’s great that we can test out the effects of many different variables to see their effects on our retirement principal, grow and monthly withdraws to live on.

 I have one feature request for the developer. Right now I see to have to take screenshots or write down what I entered and the calculator’s results and graphs.it would be great to be able to export these as a spreadsheet or PDF report.

### 5/5 — Easy and Fast Results

*2026-04-24*

I’ve been trying to figure out if my retirement savings are enough and this app finally gave me a real answer. The Monte Carlo simulation runs thousands of scenarios and shows you an actual probability of success — not just a generic calculator. The spending phases feature lets you model different expenses at different ages which is how retirement actually works. Worth every penny.

### 5/5 — Finally a retirement calculator that feels realistic

*2026-04-04*

Simple to use and provides different scenarios for social security, market crashes and spending sensitivity.

## Frequently asked questions about RetireSure Simulator

### What is RetireSure Simulator?

RetireSure Simulator is a finance app that uses Monte Carlo simulations and over 75 years of U.S. market data to project the success probability of your retirement plan. It helps you understand potential outcomes in various market conditions.

### How does RetireSure Simulator work?

It runs 10,000 simulations based on historical market returns to show your true probability of success. You can test worst-case scenarios, find safe spending levels, and compare different retirement ages and strategies.

### Is RetireSure Simulator free to use?

Yes, RetireSure Simulator is free to download and use. It offers a one-time purchase model, meaning there are no ongoing subscriptions required.

### What devices does RetireSure Simulator support?

RetireSure Simulator is available on Mac, iPhone, and iPad, making it accessible for users across Apple's ecosystem.

### How accurate is RetireSure Simulator?

The app is built on real historical market data from 1950–2025 and accounts for factors like crashes and inflation spikes. It provides a probabilistic outlook rather than a single average outcome.

### When was RetireSure Simulator last updated?

The latest version of RetireSure Simulator was last updated on June 14, 2026. It is currently on version 2.

### What is the age rating for RetireSure Simulator?

RetireSure Simulator has an age rating of 4+, indicating it is suitable for users of all ages.

### Does RetireSure Simulator have ads?

No, RetireSure Simulator does not contain advertisements. It is designed to provide a clean and focused user experience for retirement planning.

## Version history (last 5 releases)

### 2.2 — 2026-08-09

- Model up to 4 spending periods, up from 3.
- Spending phases now warn you about overlapping or out-of-range
  ages instead of quietly ignoring them.
- Add Phase splits your last phase when there's no room left, so
  it always works.
- Retirement age comparisons now run on matched market sequences,
  making the differences between them meaningful.
- Survival rates are consistent across every part of the app.
- Simulation engine reliability improvements.

### 2.1 — 2026-08-05

Updated historical market data through 2025

- 2025 U.S. market returns added — simulations now
  draw from 76 years of history (1950–2025)
- Refreshed the full stock, bond, and T-Bill series
  from the source dataset

### 2 — 2026-06-14

What's New in 2.0 — The Biggest Update Yet

Compare Two Plans Side by Side — The new Compare tab runs two complete scenarios at once. Retire at 59 vs 62? Spend $70K vs $80K? See exactly how survival rates, outcomes, and final portfolios stack up.

Retirement Age Impact Chart — Instantly see your survival rate at every retirement age, from a few years earlier to several years later. Tap any age to update your plan.
Year-by-Year Portfolio Projection — Watch your portfolio's full path through retirement: the median trajectory, best- and worst-case 10% bands, and milestone values along the way.

Social Security Cut Modeling — Concerned about future benefit cuts? Model a 10–50% reduction and see how your plan holds up.
Plus refinements throughout. One-time purchase — all new features included for existing Pro users.

### 1.5 — 2026-04-21

Bug fixes and performance improvements.

### 1.4 — 2026-04-13

Model different spending by age range for SS bridge planning. Results now show outcome range and withdrawal rate interpretation. Success rate capped at 99%.

## More apps by Steve Bridgewater

- [HiFi Setup: Bass & Speakers](https://appshunter.io/ios/app/hifi-setup-bass-and-speakers/id6759668507)
- [RiffWizard](https://appshunter.io/ios/app/riffwizard/id6759831328)

All apps by Steve Bridgewater: https://appshunter.io/developer/1880081905

## Related topics

[monte carlo retirement](https://appshunter.io/ios/topics/monte-carlo-retirement) · [monte carlo simulation](https://appshunter.io/ios/topics/monte-carlo-simulation)

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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.*