Comparison

RetirePlan vs FFCalc

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

Head to head
About

RetirePlan

This application helps users plan for retirement by answering key financial questions. It allows for detailed input of financial data, assumptions, and expenses to visualize retirement scenarios and assess their viability. Users can explore different variables with interactive sliders and access detailed reports and simulations.

Highlights
  • Retirement financial planning
  • Interactive data input and assumptions
  • Visual graph projections
  • Adjustable sliders for scenario testing
  • Detailed yearly spreadsheet view
  • Monte Carlo simulation for success likelihood
  • Customizable settings for spouse, Social Security, and inflation
Features
Read full description

RetirePlan is an iPad app that helps you answer all your questions about your retirement. If you have questions about your retirement finances, this is the app to answer them. When can I retire? How much do I need to save every year? How much money will I get every year in my retirement? How long will my money hold out in my retirement? In just a few seconds you can enter your data and assumptions and the graph will update to show you if your plan will work. If you have more time to spend you can enter as much detail as you want to refine your plan. The sliders give you an easy way to see what different values will do to your plan. Need to enter a value outside the slider range? press the amount and a calculator will pop up to let you enter whatever number you need. The slider range will update automatically. Bring up the spreadsheet to see all the details for every year of the plan, or check out the Monte Carlo simulator to see how likely your plan is to succeed! Email your results. Use the settings to add your spouse, include or remove Social Security, and show or hide inflation and interest rates. Use the + button to add a pension, send a child to college, large upcoming expenses, add additional rates of return and retirement income assumptions. Include Tax assumptions to get an even more accurate picture of your future.

About

FFCalc

This app helps you determine how long you need to save until financial independence. Input your income, expenses, and current savings to receive personalized retirement timelines. Visual charts and tables illustrate your projected savings growth year by year.

Highlights
  • Financial freedom timeline calculation
  • Income and spending input
  • Current savings tracking
  • Projected savings charts
  • Yearly savings tables
  • Interest, tax, and inflation considerations
Features
Read full description

With the Financial Freedom Calculator - FFCalc you can find out how long you have to save until you are financially free. Just enter some data about income, spendings and your current savings and this app will calculate how long you need to keep this income until you can retire or do whatever you want. You also get nice charts and tables with your available savings for each year. Terms of service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

RetirePlan4 screens
FFCalc4 screens

Verdict

The call

The clearest difference is price: FFCalc at Free against RetirePlan's $4.99. FFCalc also leads on rating (4.6 vs 4.3) and ratings volume (408 vs 123). RetirePlan's advantage is review sentiment (74% vs 48%) and iOS requirement (15.1 vs 26.0). On update cadence, ads, in-app purchases and monetization model 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

FFCalc is free to download; RetirePlan costs $4.99 up front. RetirePlan sells 3 one-off in-app purchases and FFCalc sells 4 in-app purchases, starting at $2.99 per 7 days. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

FFCalc holds the better App Store score, 4.6 against 4.3. Both are backed by a comparable volume of ratings — 123 and 408 respectively. Written reviews complicate that: 74% of RetirePlan's written reviews are positive against 48% of FFCalc's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

RetirePlan ships an update every 2 months, FFCalc monthly. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

Scorecard5 real differences · 5 level
RetirePlan versus FFCalc: the parameters behind the verdict, then further details
ParameterRetirePlanFFCalc
Price$4.99Free — better
Rating4.3 (123 ratings)4.6 (408 ratings) — better
Positive reviews73.9% of reviews — better47.8% of reviews
Number of ratings123408 — better
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.1 — better26.0
Further details — not scored
Size58 MB5 MB
Age rating4+4+
DeveloperKeltin EnterprisesVoglhuber

Customer experience

RetirePlan

All ratings123 ratings
Positive82.1%
Neutral4.9%
Negative13.0%
Written reviews92 reviews
Positive73.9%
Neutral6.5%
Negative19.6%

FFCalc

All ratings406 ratings
Positive87.9%
Neutral5.2%
Negative6.9%
Written reviews23 reviews
Positive47.8%
Neutral17.4%
Negative34.8%

User reviews

RetirePlan

From 123 App Store ratings

What we love

  • 👍 Easy to use and intuitive interface
  • 💰 Excellent value for $5 price point
  • 📊 Powerful visualization and graphical displays
  • 🎯 Flexible scenario planning and what-if analysis
  • 🔧 Highly customizable with many input options

Room to improve

  • 🚫 Not relevant or useful outside the US
  • ⚠️ Recent updates significantly degraded user experience
  • 🔐 New account requirement and cloud data storage concerns
  • 🎚️ Difficult slider controls for data input
  • 📉 Y-axis scale changes dynamically while entering data

FFCalc

From 408 App Store ratings

What we love

  • 👍 Easy to use
  • 👍 Great tool
  • 👍 Awesome app
  • 👍 Superb app
  • 👍 Simple to understand

Room to improve

  • 💸 Ridiculous pricing
  • 💸 Expensive subscription
  • 📉 Inaccurate calculations
  • 📉 Missing features
  • 📉 Unclear calculations

Bugs and requests

RetirePlan

Reported bugs

9 issues
  • App freezes and becomes unresponsive
  • Data from previous versions lost after updates
  • Y-axis scale changes unexpectedly during data entry
  • Slider controls are unresponsive or difficult to use
  • Orientation issues switching between portrait and landscape
Show 4 more
  • MacOS version has sizing issues and artifacts
  • Unexplained savings increase at age 69 despite depleted funds
  • Rate of return not properly applied to all investment types
  • Support email address no longer functional

Requested features

15 requests
  • Monte Carlo simulation for variable market returns
  • Sequence of returns risk analysis
  • Different retirement dates for spouses
  • Different rates of return for different asset types
  • Required Minimum Distribution (RMD) calculations
Show 10 more
  • Roth IRA conversion planning
  • Survivor benefits for pensions
  • Spouse pension income support
  • Tax rate customization
  • Withdrawal rate display
  • Web-based or native MacOS application
  • Detailed help documentation for calculation methodology
  • Ability to designate different tax rates for different income sources
  • Support for employer pension inputs
  • Historical market data integration

FFCalc

Reported bugs

7 issues
  • Inaccurate monthly savings calculation
  • Compound interest seems off
  • Unclear inflation calculation frequency
  • Unclear contribution timing
  • Retirement expense calculation incorrect
Show 2 more
  • App crashes
  • Incorrect results with large numbers/long periods

Requested features

9 requests
  • Add monthly income support
  • Add interest rate inputs
  • More clarity on compounding
  • Option to add income during retirement
  • Add tax cost calculation
Show 4 more
  • Add dark mode support
  • Option to input monthly savings directly
  • Ability to change earn rate during retirement
  • Ability to change earn rate before retirement

In-app purchases

3 purchases

RetirePlan

One-time3
  • 5 additional scenarios$1.99
  • save 5 more scenarios3 variants$1.99
  • 5 Scenarios$1.99
4 purchases

FFCalc

Subscriptions3
  • Weekly Plan3 Days trial$2.997 Days
  • Monthly$3.991 Month
  • Yearly$8.991 Year
One-time1
  • Lifetime$29.99

Questions

Is RetirePlan free?
RetirePlan costs $4.99, and also offers in-app purchases.
Is FFCalc free?
FFCalc is free to download, with in-app purchases available.
Which has better reviews, RetirePlan or FFCalc?
FFCalc is rated higher. RetirePlan averages 4.3 out of 5 from 123 ratings, while FFCalc averages 4.6 from 408 ratings.
Do RetirePlan or FFCalc have ads?
Neither RetirePlan nor FFCalc shows ads.
Which is updated more often, RetirePlan or FFCalc?
RetirePlan ships an update every 2 months, and FFCalc monthly. Most recently, RetirePlan was updated on November 1, 2026 and FFCalc on November 3, 2026.

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