# RetirePlan vs FFCalc

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 (410 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.

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.

FFCalc holds the better App Store score, 4.6 against 4.3. Both are backed by a comparable volume of ratings — 123 and 410 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.

RetirePlan ships an update every 2 months, FFCalc monthly. The most recent releases landed on November 1, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | RetirePlan | FFCalc |
| --- | --- | --- |
| Price | $4.99 | **Free** |
| Rating | [4.3 (123 ratings)](https://appshunter.io/ios/app/retireplan/id435739013/reviews) | **[4.6 (410 ratings)](https://appshunter.io/ios/app/ffcalc-retirement-calculator/id1473492772/reviews)** |
| Number of ratings | 123 | **410** |
| Positive reviews | **73.9% of reviews** | 47.8% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 58 MB | 5 MB |
| Requires iOS | **15.1** | 26.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Keltin Enterprises](https://appshunter.io/developer/1738708026) | [Voglhuber](https://appshunter.io/developer/433453828) |

## What reviewers say

### RetirePlan

[App page](https://appshunter.io/ios/app/retireplan/id435739013)

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:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 5 additional scenarios | $1.99 | one-time |
| save 5 more scenarios | $1.99 | one-time |
| 5 Scenarios | $1.99 | one-time |

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🚫 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

**Reported bugs**

- 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

**Requested features**

- 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


### FFCalc

[App page](https://appshunter.io/ios/app/ffcalc-retirement-calculator/id1473492772)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Plan | $2.99 | per 7 days |
| Monthly | $3.99 | per month |
| Yearly | $8.99 | per year |
| Lifetime | $29.99 | one-time |

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Inaccurate monthly savings calculation
- Compound interest seems off
- Unclear inflation calculation frequency
- Unclear contribution timing
- Retirement expense calculation incorrect

**Requested features**

- Add monthly income support
- Add interest rate inputs
- More clarity on compounding
- Option to add income during retirement
- Add tax cost calculation


## Frequently asked 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 410 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 6, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*