No way to add in pre-Medicare health?
It has a great Medicare expense estimator, but can’t see a way to estimate private health insurance costs for any possible pre-Medicare age retirement years. Especially as users are likely to be checking their when-can-I-retire math, this seems like a glaring oversight.
I would gladly pay for a premium version if it added in more factors, both the private insurance and also the ability to adjust the possible future inflation rate.
I would gladly pay for a premium version if it added in more factors, both the private insurance and also the ability to adjust the possible future inflation rate.
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Could be informative
But difficult to search for topics and frustrating to get teaser articles by email and then can’t find them in the app. Has potential though.
Me
No connection to fidelity. What??
Doesn’t allow for marriage less than ten years. Doesn’t allow for deceased ex spouse
Punt.
Doesn’t allow for marriage less than ten years. Doesn’t allow for deceased ex spouse
Punt.
App keeps locking up
When you dive into the savings portion, the app locks up and errors. I’ve had to reload the app several ti es now. Very frustrating.
Unable to Link Accounts
Chase accounts no longer work in the Plaid integration. This appears to be an issue with OAuth and changes made by Chase and other large FIs. Please update the app to support the largest bank in the US…
Awesome app
I was not sure how I was doing for retirement. Now I know when I can retire with confidence.
RMD
I have enjoyed this app, but I’m struggling with how to interpret the score as I don’t see how RMD fits into the future income. Technically, I should never run out of money due to lifetime retirement payments. It also does not appear to adjust for my spouse’s impact should he die before me - I’m listed as a single woman. I like the app to keep track of my net worth and impact of planned trips/projects, but only lets me add for the next year and not current year. It would be nice to be able to adjust return rates on investments. Again, this is a nice app with some significant drawbacks. I’m glad they offered 6 months free so I can see what I’m not missing.
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Trying to see the value of this app
1. The advice in the app is all available for free on web, and the information you find on the web goes into way more depth.
2. There is no web or iPad version of the app. I don’t want to manage my retirement on a little phone screen.
3. I am unable to connect most of my financial institutions (Fidelity, for example).
4. I’ve only just started using the retirement score function, but so far it seems simplified to the point it could be misleading. I have 140 year score… what? Looking at my numbers, that doesn’t make sense.
So, what is the value provided by this app? I will keep looking for it, but I think I will end up cancelling my subscription.
2. There is no web or iPad version of the app. I don’t want to manage my retirement on a little phone screen.
3. I am unable to connect most of my financial institutions (Fidelity, for example).
4. I’ve only just started using the retirement score function, but so far it seems simplified to the point it could be misleading. I have 140 year score… what? Looking at my numbers, that doesn’t make sense.
So, what is the value provided by this app? I will keep looking for it, but I think I will end up cancelling my subscription.
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Clunky iPad version
I downloaded and could not turn the screen to display widescreen. It was hard to navigate and I don’t think it’s meant for apple devices so I removed the app.
Loving Silvur
I’ve used tools provided by my financial advisor to confirm my retirement health, but they’re hard to use and require a lot of interaction. Finding Silvur provided an easy to use yet comprehensive tool to plan retirement, and also a confirmation of the information I was getting from my advisor!
In addition, Silvur’s articles and ‘to do’ lists have kept me involved in a more instructional and interactive way than I’ve experienced with my advisor.
Thank you Silvur!
In addition, Silvur’s articles and ‘to do’ lists have kept me involved in a more instructional and interactive way than I’ve experienced with my advisor.
Thank you Silvur!
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Buggy app
In the household spending, I cannot proceed further as the next button gets disabled when entering mortgage amount.
Endless buffering
I deleted the app.. waste of my time..
Edited: I WAS liking this app!
I’ve downgraded my review. My accounts don’t sync unless I delete them and add them back again. This is quite frustrating and pretty much renders the app useless. :(
My first review:
This is a great planning tool; thanks, Developers! What I’d like to see updated: *Ability to specify month/year various activities begin, not just year.
*Ability to force an account sync for linked accounts. It would also be nice if the latest sync date shows somewhere. Right now my balances are a couple of days behind, and I can’t get them to update.
*Some info on how the retirement dates are calculated, without giving away any proprietary info on the method, of course!
My first review:
This is a great planning tool; thanks, Developers! What I’d like to see updated: *Ability to specify month/year various activities begin, not just year.
*Ability to force an account sync for linked accounts. It would also be nice if the latest sync date shows somewhere. Right now my balances are a couple of days behind, and I can’t get them to update.
*Some info on how the retirement dates are calculated, without giving away any proprietary info on the method, of course!
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Why put off when help is here?
My wife and I often talked about our future when the future is really now. Every year we said we would do plans but never did it. Time has flown buy and we heard from friends how good this was to do. A friend I worked with and not seen in years made the suggestion to me as she was impressed with this method. Often we saw on TV similar information but, this is the best by far as it is a step by step of our actual numbers. The projections are what we needed for our life.
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Useless
Only let me enter a few bank accounts, no way to add investment accounts, IRA, 403b, Roth, real estate. Dumb!
Am I making the right financial decisions?
After answering all the questions in the app, I was pleased to find out that I am doing the right things with my finances in order to retire at 65 or even older. But the most important thing I learned is that I will continue to have enough money until I’m in my 90s. Thank you for giving me that peace of mind!
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Incomplete
They do not provide a way to indicate additions to your retirement savings. How can you generate a score when you don’t know how much I will be adding to my accounts over the next X number of years (e.g. 401k deposits, profit sharing, savings)?
Too Simplistic for Me
Disappointed I can’t
1. Enter my SS benefits- typically calculators estimate too low and don’t take Spousal benefits into consideration
2. Enter specific dates/months for
a). Retirement from job
b) Start SS
3. Medicare premiums estimated aren’t shown? I guess you wanted the zip code for data harvesting
4. See drawdown numbers from retirement savings
Just a simple score. I don’t think trust your score without seeing the data to back it up.
1. Enter my SS benefits- typically calculators estimate too low and don’t take Spousal benefits into consideration
2. Enter specific dates/months for
a). Retirement from job
b) Start SS
3. Medicare premiums estimated aren’t shown? I guess you wanted the zip code for data harvesting
4. See drawdown numbers from retirement savings
Just a simple score. I don’t think trust your score without seeing the data to back it up.
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Good tool, not great - important features missing
Does a good job giving you a basis for planning your future. Really like that you can add plans for “wish” items like travel, etc. Doesn’t appear to take taxes into account, so I’m not certain if the spending number that I entered is pretax of post-tax, which makes a massive difference. Wasn’t clearly marked. No way to control the amount of saving for your plan to direct to specific accounts. Accounts for savings as a difference between income and spending, but big flaw there is which account is it saving it to, pretax, post tax or Roth? I don’t know. And what is tax rate that they assume both now and in future? Good platform and start to the app, but have to finish it.
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Not a tool just for “Boomers”
I like the tool bit found the “retirement tool for Boomers” a little odd to read when I first opened it since I (and I suspect many others in their 40s and early 50s) are Gen X. Maybe the Marketing department could use a little help here. :)
