# Smart Retirement Planner — Know When You Can Retire > Retirement planning toolkit with visual projections and privacy-focused on-device storage. (iPhone/iPad app by Gary Cox.) - Source: https://appshunter.io/ios/app/smart-retirement-planner/id6777520907 (this page in markdown: same URL + `.md`) - Developer: [Gary Cox](https://appshunter.io/developer/1083086974) - Category: Finance, Education - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.6 · 4 MB - Languages: English, Spanish - Released: 2026-06-15 - Data updated: 2026-07-09 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/smart-retirement-planner/id6777520907/reviews.md ## What is Smart Retirement Planner? Retirement planning does not need to be complicated. Smart Retirement Planner helps you answer the biggest retirement questions with simple tools, visual projections, and practical guidance. See how much you may need, how your accounts could grow, whether your withdrawals may last, and how to bridge the gap before Social Security begins. Built for real life. Built for privacy. No account required. Who is it for? • Adults planning for retirement • 401(k), IRA, Roth IRA, and brokerage account holders • People who want clarity without financial jargon • Anyone looking for a focused retirement planning toolkit instead of a complicated retirement suite Start with a personalized retirement overview that brings everything together in one place. • Plan Strength score with coaching • On Track, Getting Close, or Needs Attention guidance • Savings goal and projected balance • Estimated retirement income • Chance of reaching your goal using Monte Carlo simulation • Typical outcome range across market scenarios • Retire later comparisons • Saved scenarios for easy planning Discover how much you may need for retirement and what you should save each month to reach your goal. • Inflation adjusted spending goals • Monthly savings targets • Funding gap analysis • Catch up guidance when you are behind schedule 401(k) Growth Planner Project the future value of your retirement accounts. • Paycheck contributions • Employer matching contributions • Match limits and caps • Expected growth assumptions • Expense ratio impact Explore retirement income strategies and test whether your savings may support your lifestyle. • Monthly withdrawal planning • 4% rule benchmark comparisons • Estimated taxes on traditional account withdrawals • Required Minimum Distribution estimates • Longevity projections for your savings Retire before Social Security starts and understand how to fund the gap. • Retirement age vs. claiming age comparisons • Pension and other income support • Income gap calculations • Post Social Security income coverage Smart Features • Live updates as you adjust inputs • Full horizon projection charts • Monte Carlo market simulations • Personalized coaching and plan strength insights • Welcome setup that pre fills planners from your information • Gentle plan aware reminders that adapt to your progress Try each planner with free previews. Upgrade once to unlock: • Unlimited planner runs • Printable PDF retirement worksheet • Combined summary of your Plan, 401(k), Withdrawals, and Social Security Bridge • Assumptions, charts, and Monte Carlo legend Your Privacy Matters Smart Retirement Planner stores your information on your device. • No account required • No cloud planning service • No selling your personal financial information • 100% private on device experience Important Disclaimer Smart Retirement Planner is educational estimation software intended for informational purposes only. It does not provide financial, investment, tax, or legal advice. All projections and simulations are estimates and should not be considered guarantees of future results. ## Key features - Personalized retirement overview - Savings goal and projected balance - 401(k) growth projections - Monthly withdrawal planning - Social Security bridge funding - Monte Carlo market simulations - On-device privacy ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Unlock Pro | $9.99 | one-time | ## Frequently asked questions about Smart Retirement Planner ### What is Smart Retirement Planner? Smart Retirement Planner is an educational estimation software designed for informational purposes to help adults plan for retirement. It provides tools for visualizing account growth, planning withdrawals, and understanding income gaps. ### How much does Smart Retirement Planner cost? The app is free to download and offers free previews of its planning tools. An upgrade is available for a one-time purchase to unlock unlimited planner runs and additional features like printable worksheets. ### Does Smart Retirement Planner have ads? No, Smart Retirement Planner does not contain advertisements. The app is ad-free, focusing on providing a clean and uninterrupted user experience for financial planning. ### What devices is Smart Retirement Planner available on? Smart Retirement Planner is available for iPhone, iPad, and iPod devices. It is designed to run on Apple's iOS operating system. ### How often is Smart Retirement Planner updated? The app was last updated on June 16, 2026, with version 1.0. Further update frequency is not specified, but it is a relatively new release. ### Is Smart Retirement Planner secure? Yes, Smart Retirement Planner prioritizes user privacy by storing all information directly on your device. It does not require an account or use cloud services, ensuring your financial data remains private. ### What are the benefits of upgrading Smart Retirement Planner? Upgrading unlocks unlimited planner runs, a printable PDF retirement worksheet, and a combined summary of all planning sections. It also provides access to assumptions, charts, and the Monte Carlo legend. ### What kind of financial advice does Smart Retirement Planner offer? Smart Retirement Planner is educational estimation software intended for informational purposes only. It does not provide financial, investment, tax, or legal advice. ## Version history (last 2 releases) ### 1.1 — 2026-07-05 Polish and enhancements and updated screenshots. ### 1.0 — 2026-06-16 No release notes. ## More apps by Gary Cox - [Dice Match](https://appshunter.io/ios/app/dice-match/id377664389) - [Money Swipe](https://appshunter.io/ios/app/money-swipe/id401470576) - [Kauai Wallpaper](https://appshunter.io/ios/app/kauai-wallpaper/id502768472) - [Maui Wallpaper](https://appshunter.io/ios/app/maui-wallpaper/id504157956) - [Rocket Race Multiplayer](https://appshunter.io/ios/app/rocket-race-multiplayer/id537553681) - [Dice Match 2](https://appshunter.io/ios/app/dice-match-2/id607863699) All apps by Gary Cox: https://appshunter.io/developer/1083086974 --- *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 2026-07-09.*