Retirement Estimator vs Whenwise

Retirement Estimator is your personal pocket financial assistant for simulating and visualizing financial scenarios days to decades into the future. EXPLORE YOUR RETIREMENT POSSIBILITIES Model any combination of income streams, investments, and expenses with full control over monetary value, taxes, anticipated growth rate, and time horizon. Simulate transfers between income, investments, and expenses to explore "what if" scenarios. Run Monte Carlo simulations to model a range of possible financial outcomes and estimate the probability that your retirement plan succeeds. Then experiment by adjusting income sources, investments, and expenses to see how each decision shapes your projected results. VISUALIZE YOUR FINANCIAL FUTURE • Track income, investments, and expenses with clear, color-coded line graphs • Estimate your Probability of Success with Monte Carlo simulation • Export detailed CSV reports to Excel, Numbers, or any spreadsheet app • Simulate fund transfers between income, investments, and expenses • Model scenarios from days to decades into the future PRIVACY FIRST. ALL DATA STAYS ON YOUR DEVICE Everything you enter is stored locally on your device and is never transmitted to ITDT LLC or any third party. No account required. SECURE ACCESS Protect your financial data with Face ID, Touch ID, or a PIN.

When should you take Social Security? Whenwise shows you, to the dollar. Enter your birth date and recent earnings. In under a minute, see your estimated monthly check at 62, 67, and 70, computed with the Social Security Administration's own published formula and 2026 values. This first estimate is free, and nothing leaves your iPhone. UNLOCK YOUR FULL CLAIMING PLAN A Whenwise Plan subscription unlocks everything Whenwise computes for the claiming decision: • Every claiming month from 62 to 70: slide and compare • Break-even analysis with your own planning horizon • Spousal benefits, finally clear, including the couples' grid • What you'll actually keep: benefit taxation and Medicare IRMAA awareness • RMD calculator from the official IRS table • Advisor-ready PDF report you can print and share • Import your my Social Security statement so estimates use SSA's actual record of your earnings, read on your iPhone and never sent anywhere • Fresh numbers every October when SSA announces the new year • Tap any card for a plain-English explanation WHENWISE PLAN PRICING $39.99 per year with a 7-day free trial, or $4.99 per week. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple Account settings. PRIVATE BY DESIGN No account. No email. No SSN. Your information stays on your iPhone. HONEST BY DESIGN Every number is labeled with its assumptions and sources: the Social Security Administration's published formulas, IRS tables, and Medicare's official premium schedule. What we don't compute, we say so in plain English. Whenwise provides educational estimates, not financial advice. Whenwise is independent and is not affiliated with, endorsed by, or connected to the Social Security Administration. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms: https://whenwiseapp.com/terms · Privacy: https://whenwiseapp.com/privacy