# Southbound: Retire Early — Plan the taxes, pick the spot

> Plan the taxes, pick the spot (iPhone/iPad app by Jorge Cambero.)

- Source: https://appshunter.io/ios/app/southbound-retire-early/id6806329481 (this page in markdown: same URL + `.md`)
- Developer: [Jorge Cambero](https://appshunter.io/developer/6806329483)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 2 MB
- Languages: American English
- Released: 2026-09-03
- Data updated: 2026-10-24

## What is Southbound?

Retire earlier. Somewhere warmer.

Southbound answers the two questions every early-retirement dream comes down to: can I actually afford it, and when? Put in your real numbers — your age, your accounts, your Social Security estimate — and in five minutes you'll see the earliest year you can leave, and what your money actually buys in 28 countries.

Then it shows you the strategy behind that year: the withdrawal order that keeps the IRS's share smallest, a Roth-conversion ladder sized to fill the 22% bracket before RMDs ever hit, and the Social Security claim age that leaves the most in your pocket.

FREE TO START
- The earliest year you can retire, down to the month
- Cost of living in 28 countries, scaled to your household
- Whether your brokerage bridges the gap until 59½ — a clear yes or no
- A balances-by-account projection to your target age

THE FULL PLAN — one payment of $24.99, yours forever
- The Roth conversion ladder, year by year
- Lifetime tax saved versus never converting
- The complete year-by-year ledger to your final year
- Income vs. budget, every source stacked against your real costs
- A Social Security claim-age optimizer
- Home- and lock-screen widgets: a countdown to freedom, your yearly Roth move, and your account balance targets

PRIVATE BY DESIGN
No account. No cloud. No analytics, no ad trackers. Your balances and your plan live only on your phone and are never sent to us — the app runs every calculation offline. The only thing that ever leaves your device is the name of a city you tap, sent to Wikipedia to load a photo.

Works in English and Español.

One payment. No subscription. Restores free on any device signed into your Apple Account.

Southbound is an educational planning tool — not financial, tax, investment, immigration, or legal advice, and using it creates no advisory relationship. Projections are estimates that assume a steady annual return with no market crashes, fees, or changes in tax law, and cost-of-living figures are researched estimates, not quotes. Before acting on any plan, talk to a CPA or a fee-only fiduciary advisor who can see your whole picture.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Full Plan | $24.99 | one-time |


## Is Southbound safe?

Not enough ratings yet to assess Southbound.

## Is Southbound legit?

Southbound: Retire Early has limited verification signals. The AppsHunter Legitimacy Score for Southbound is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 4 releases)

### 1.3 — 2026-09-15

The finish-line screen now matches your plan. You get the celebration when you clear it, a straight read when it's tight, and an honest heads-up when the numbers come up short, instead of the same confetti every time.

We also cleaned up the setup screen. Retiring in your current year now calculates correctly, the retirement-age slider only moves forward from today, and your numbers stay in sync when you change your date of birth.

Plus smaller fixes throughout.

### 1.2 — 2026-09-08

New: personalized recommendations. Your plan now reads your actual numbers and tells you what to do next, whether that's timing your exit around 59½, waiting on Social Security, or finding a base you can actually afford. The advice adapts to your situation instead of staying generic.

Also: a clearer plan breakdown for every retirement age, deficit and cushion shown honestly, and a range of copy and accuracy fixes.

### 1.1 — 2026-09-05

The app now speaks Spanish. Every screen, destination guide, and tax note is fully translated, so you can plan your move in either language.

New: export your full retirement plan as a PDF. It includes your timeline, savings charts, a year-by-year breakdown, city details, and the tax notes for your destination. Find it in Settings, under Language.

We also renamed the "More" tab to "Levers" so it's easier to find the settings that change your plan, added clearer cues on the destination picker, and fixed a few labels along the way.

### 1.0 — 2026-09-04

No release notes.

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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 2026-10-24.*