Comparison

Retirement Investing Simulator vs FutureFolio

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Retirement Investing Simulator

Model your retirement future using historical stock market and inflation data. This simulator runs millions of calculations to show the likelihood of your portfolio outlasting you and how much you might leave to heirs.

Highlights
  • Simulates millions of retirement scenarios
  • Uses historical stock market data (1871-2020)
  • Calculates portfolio longevity and inheritance
  • Customizable stock/bond mix and fees
  • Saves and emails results
  • Monte-Carlo style simulation
Features
Read full description

When can I retire? Will my retirement investment portfolio outlast me? Is my retirement nest egg (or projected nest egg) enough to retire? How much money will I leave to my heirs? How much invested money do I need to reach financial independence & retire early (FIRE)? No-one can ever know for sure, but if you model the future based on the past you can calculate what is LIKELY to happen in retirement. There are many retirement calculators where you select a reasonable rate of inflation & return, but no retirement portfolio is likely to generate a static rate over time. Stock market volatility is the killer! Suffering through a drop in the stock or bond market at the wrong time can make a tremendous difference in your overall outcome. Only after you simulate the past can you confidently plan for the future. The Retirement Investing Calculator Simulator is UNIQUE in this stock market calculation. The Retirement Investing Calculator Simulator uses actual stock market & inflation data from every month in 1871 to 2020. It takes the actual United States stock market return (S&P 500), U.S. bond market return (GS10), & inflation numbers from each month to simulate thousands of historically-accurate retirement scenarios. Simply enter your retirement portfolio amount, annual spending & years in retirement; the Retirement Investing Calculator Simulator will calculate your personalized results, running up to several million calculations in the simulator to determine how you would’ve fared (and are likely to succeed in the future). Further personalize your Retirement Investing Calculator Simulator results by changing the stock / bond mix, fund fees, calculator term, annual amount saved & years until retirement via Advanced mode. You can also randomize (for simulator) all the months of history for an even wider range of retirement simulator scenarios. The Retirement Investing Calculator Simulator lets you save or email your retirement simulator results; come back and try different retirement simulator choices! The Retirement Investing Calculator Simulator is a Monte-Carlo style simulator using historical stock & inflation numbers to determine likelihood of success vs failure. Customize your own retirement calculation per your preferences. The Retirement Investing Calculator Simulator uses data from the S&P 500, the 10 Year Treasury Bond, & the Consumer Price Index (inflation). The Retirement Investing Calculator Simulator also uses their precursors for years before they existed. Disclaimer: The information & calculations in this Retirement Investing Calculator Simulator are for educational purposes only, and do not constitute financial advice. Contact a licensed financial planner for specific retirement advice and for making retirement financial decisions. All data points included are correct to the best of our knowledge, but no warranty is made regarding the accuracy or applicability of this data or calculations. The owners / authors of this application (including Workman Consulting LLC) hereby disclaim all responsibility for any use / misuse of this application and the data provided by this application. The authors of this app do not give any warranty as to the accuracy, reliability or completeness of information; and do not accept any liability for any error or omission on this app or for any resulting loss or damage suffered by the recipient or any other person. By downloading and/or using the application, you agree to these terms. Past returns are not indicative of future performance. Even if a retirement investing financial strategy would’ve survived 100% of past simulation scenarios, it does not guarantee that it will do so in the future. Retirement Investing Calculator Simulator Keywords: retire, calculate retirement portfolio, investing &investment, simulation, simulate, Monte Carlo Retirement Simulator, stocks, bonds, stock market, account, inflation, Financial Independence Retire Early, FIRE

About

FutureFolio

Simulate investment outcomes with sophisticated Monte Carlo techniques. This app offers a user-friendly interface to input variables and visualize projections for retirement planning, savings goals, or exploring investment strategies. Gain educational insights into market fluctuations and fees.

Highlights
  • Monte Carlo investment simulations
  • User-friendly interface
  • Customizable financial scenarios
  • Visual investment projections
  • Personal investment analysis
  • Educational insights on market impact
Features
Read full description

Introducing FutureFolio - Your Future Financial Partner Unlock the potential of your investments with FutureFolio, the cutting-edge investment simulator designed for the savvy investor. Whether you're planning for retirement, saving for a big purchase, or simply exploring investment strategies, FutureFolio offers a dynamic environment to simulate and analyze potential investment outcomes using sophisticated Monte Carlo simulation techniques. Why FutureFolio? Powerful Simulation Tools: Employ robust Monte Carlo simulations to project future investment values, allowing for informed, data-driven financial decisions. User-Friendly Interface: Sleek, intuitive design makes it simple to input variables and understand complex outcomes. Whether you're a seasoned investor or just starting, FuturistFolio is tailored to all levels of experience. Customizable Scenarios: Adjust variables like initial investment, monthly contributions, expected annual return, volatility, and more to model different financial scenarios and see detailed projections. Educational Insights: Learn the implications of fees, returns, and market fluctuations on your investments with real-time simulations that make complex data easy to digest. Key Features Include: Personal Investment Analysis: Enter your unique investment details and watch FuturistFolio calculate potential future values. Visual Projections: Graphical displays help visualize how investments could grow over time under various economic conditions. Secure and Private: No personal data is collected or required to use the app, ensuring your financial information remains private. Designed for Anyone Interested in Building Wealth FutureFolio is perfect for: Individual investors planning their financial future. Financial students and professionals who require a powerful tool for investment analysis. Anyone curious about how market changes can affect investment growth. Embrace the future of investment with FutureFolio and start making smarter financial decisions today!

Screenshots

Retirement Investing Simulator2 screens
FutureFolio4 screens

Verdict

The call

The clearest difference is rating: FutureFolio at 5.0 against Retirement Investing Simulator's 4.1. FutureFolio also leads on in-app purchases (none vs 1) and ads (none vs shown). Retirement Investing Simulator's advantage is ratings volume (62 vs 1) and device support (3 vs 1). On price there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Retirement Investing Simulator sells 1 one-off in-app purchase. FutureFolio asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

FutureFolio holds the better App Store score, 5.0 against 4.1. That said, the two scores are not equally well evidenced: Retirement Investing Simulator has 62 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Retirement Investing Simulator ships an update every 7 months, FutureFolio every 3 days. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

Scorecard8 real differences · 2 level
Retirement Investing Simulator versus FutureFolio: the parameters behind the verdict, then further details
ParameterRetirement Investing SimulatorFutureFolio
PriceFreeFree
Rating4.1 (62 ratings)5.0 (1 ratings) — better
Positive reviews20.0% of reviews—
Number of ratings62 — better1
Update frequencyEvery 7 monthsEvery 3 days — better
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS12.2 — better16.0
Further details — not scored
Size6 MB4 MB
Age rating4+4+
DeveloperWorkman Consulting LLCSultan Babar

Customer experience

Retirement Investing Simulator

All ratings62 ratings
Positive79.0%
Neutral8.1%
Negative12.9%
Written reviews10 reviews
Positive20.0%
Neutral10.0%
Negative70.0%

FutureFolio

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

Retirement Investing Simulator

One-time1
  • Upgrade to Retirement Sim Pro$0.99
None

FutureFolio

No in-app purchases

Questions

Is Retirement Investing Simulator free?
Retirement Investing Simulator is free to download, with in-app purchases available.
Is FutureFolio free?
FutureFolio is free to download, with no in-app purchases.
Which has better reviews, Retirement Investing Simulator or FutureFolio?
FutureFolio is rated higher. Retirement Investing Simulator averages 4.1 out of 5 from 62 ratings, while FutureFolio averages 5.0 from 1 ratings.
Do Retirement Investing Simulator or FutureFolio have ads?
Retirement Investing Simulator shows ads; FutureFolio does not.
Which is updated more often, Retirement Investing Simulator or FutureFolio?
Retirement Investing Simulator ships an update every 7 months, and FutureFolio every 3 days. Most recently, Retirement Investing Simulator was updated on November 3, 2026 and FutureFolio on November 4, 2026.

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