樂享退休GPS vs TwoRetire

「樂享退休GPS」助你精明理財，逐步達成退休儲蓄目標。 功能包括： 退休策劃計算機 計算你喺65歲時累積到嘅儲蓄夠唔夠應付退休需要，並提供參考數據助你訂立合適嘅儲蓄目標 收支管理 清晰易用嘅記帳工具，兼具圖表分析收支狀況，仲可以匯出紀錄，有效掌握儲蓄進度 實用資訊 連結多項實用工具及資訊，助你積極管理強積金 會員獎賞 按指示完成任務，養成理財好習慣之餘，仲有機會換領心水禮品

Retirement isn't a solo project — so why plan it alone? TwoRetire is a retirement planning app built for couples. Instead of two separate spreadsheets or two different apps, you and your spouse see one shared plan — with each of you controlling exactly how much of your own accounts the other can see. WHAT YOU CAN DO • Track every retirement account — 401(k), Traditional/Roth IRA, taxable brokerage, HSA, and more — with your choice of full detail, totals only, or fully private per account. • Model your retirement timeline — drag a slider to see how retiring at 60 vs. 65 changes your household's net worth curve, decades into the future. • Compare withdrawal strategies — see the difference between a traditional withdrawal order and a strategy that fills your tax bracket, side by side. • Coordinate Social Security — a 3×3 claiming-age matrix for you and your spouse, break-even analysis, and survivor benefit planning. • Get an honest signal — a simple green/yellow/red indicator based on your actual projected shortfall, not a vague "you're on track" message. • Save and compare scenarios — "What if I retire at 62 instead of 65?" Save it, compare it against your baseline, and decide together. • Log the decisions that matter — freeze a scenario's assumptions when you make a real decision, so you can look back later and remember why. BUILT FOR TWO, PRIVATELY When you invite your spouse, you choose per account whether they see full details, just the total balance, or nothing at all. Nothing is shared until you explicitly turn it on — and visibility only ever gets more open, never less, so you always know exactly what's been seen. Your data lives in your own iCloud account. TwoRetire has no servers of its own — nothing is collected, nothing is sold, nothing is shared with third parties. Even shared data between spouses syncs directly through Apple's infrastructure, never through us. HONEST ABOUT WHAT IT DOES (AND DOESN'T DO) TwoRetire uses a straightforward, deterministic projection based on the assumptions you set — not Monte Carlo simulation, not a black box. Every number is explained in plain language, and a built-in FAQ walks through exactly what's calculated, what isn't (like state taxes), and why. This app is an educational planning tool to help you and your spouse have better conversations about retirement. It is not investment, tax, or legal advice — please consult a qualified professional for your actual decisions.