RetirePlan vs Time to Money
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
Time to Money
Track your earnings in real-time as you work. Enter your hourly rate and start a timer to see your money grow per second. Pause, resume, and save job logs, with optional hourly notifications to keep you motivated.
- Real-time earnings calculation
- Start, pause, and resume timer
- Save and view job logs
- Set and track financial goals
- Hourly earnings notifications
- Apple Watch integration
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Every second you work has value. Time to Money lets you instantly see how much you’ve earned during a work session. Simply enter your hourly rate, tap "Start" when you begin working, and Time to Money accurately tracks your earnings while you focus on the job at hand. Check your progress whenever you’d like, or tap "End" when you’re finished and see exactly how much you’ve earned. Whether you’re freelancing, consulting, working a part-time job, or tackling a side hustle, Time to Money makes it easy to track the value of your time. Key Features • Instant earnings tracking – See exactly how much you’ve earned at any moment based on your hourly rate and time worked. • Keeps tracking while you’re away – Lock your device, leave the app, or even power your device off. When you return, your earnings are automatically updated based on the elapsed time. • Pause and Resume – Taking a break? Pause your session and resume whenever you’re ready. • Detailed work logs – End a session with a tap and automatically save a log that you can review anytime. • Earnings goals – Set a target amount and track your progress toward reaching it. • Apple Watch companion app – Check your earnings from your wrist. Your Apple Watch and iPhone stay synchronized, so starting, pausing, resuming, or ending a session on one device automatically updates the other. Ending a session on your Apple Watch also saves the work log to your iPhone. • Hourly motivation – Receive hourly notifications showing how much you’ve earned so far to help keep you motivated throughout your session. Whether you’re working for 30 minutes or several hours, Time to Money helps you stay motivated, tracks your progress, and always knows exactly what your time is worth. Disclaimer: Time to Money is an earnings calculator that estimates income based on the hourly rate and work session information you provide. It does not produce, transfer, process, or manage real money or financial transactions.
Screenshots
Verdict
The clearest difference is in-app purchases: Time to Money at none against RetirePlan's 5. Time to Money also leads on price ($1.99 vs $4.99). RetirePlan's advantage is ratings volume (123 vs 7) and iOS requirement (15.1 vs 26.0). On rating, review sentiment, update cadence and ads 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
RetirePlan costs $4.99 and Time to Money $1.99 up front. RetirePlan sells 3 one-off in-app purchases. Time to Money asks for nothing beyond the download.
On the App Store both sit at effectively the same score — 4.3 for RetirePlan against 4.4 for Time to Money. That said, the two scores are not equally well evidenced: RetirePlan has 123 ratings behind it against 7, so its average is the more settled of the two. Written reviews are what separate them: 74% of RetirePlan's written reviews are positive against 78% of Time to Money's.
RetirePlan ships an update every 2 months, Time to Money every 3 months. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.
| Parameter | RetirePlan | Time to Money |
|---|---|---|
| Price | $4.99 | $1.99 — better |
| Rating | 4.3 (123 ratings) | 4.4 (7 ratings) — better |
| Positive reviews | 73.9% of reviews | 77.8% of reviews — better |
| Number of ratings | 123 — better | 7 |
| Update frequency | Every 2 months — better | Every 3 months |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases — better | Paid |
| Best chart rank | #59 — better | #96 |
| Devices | iPhone, iPad, iPod — better | iPhone, Apple Watch |
| Requires iOS | 15.1 — better | 26.0 |
| Further details — not scored | ||
| Size | 58 MB | 21 MB |
| Age rating | 4+ | 4+ |
| Developer | Keltin Enterprises | DevTeamOne, LLC |
Customer experience
RetirePlan
Time to Money
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
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- 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
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- 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
Time to Money
Not enough reviews yet to summarise bugs or requests.
In-app purchases
RetirePlan
- 5 additional scenarios$1.99
- save 5 more scenarios3 variants$1.99
- 5 Scenarios$1.99
Time to Money
No in-app purchases
Questions
Is RetirePlan free?
Is Time to Money free?
Which has better reviews, RetirePlan or Time to Money?
Do RetirePlan or Time to Money have ads?
Which is updated more often, RetirePlan or Time to Money?
Which is more popular, RetirePlan or Time to Money?
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