# RetirePlan vs Time to Money

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.

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.

## The numbers

| Metric | RetirePlan | Time to Money |
| --- | --- | --- |
| Price | $4.99 | **$1.99** |
| Rating | [4.3 (123 ratings)](https://appshunter.io/ios/app/retireplan/id435739013/reviews) | **[4.4 (7 ratings)](https://appshunter.io/ios/app/time-to-money/id1480186096/reviews)** |
| Number of ratings | **123** | 7 |
| Positive reviews | 73.9% of reviews | **77.8% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | **Free with in-app purchases** | Paid |
| Best chart rank | **#61** | #96 |
| Size | 58 MB | 21 MB |
| Requires iOS | **15.1** | 26.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Keltin Enterprises](https://appshunter.io/developer/1738708026) | [DevTeamOne, LLC](https://appshunter.io/developer/1234061662) |

## What reviewers say

### RetirePlan

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

**Currently charting:** #61 Top Paid · Finance (US App Store)

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


### Time to Money

[App page](https://appshunter.io/ios/app/time-to-money/id1480186096)

**Currently charting:** #96 Top Paid · Finance (US App Store)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is RetirePlan free?

RetirePlan costs $4.99, and also offers in-app purchases.

### Is Time to Money free?

Time to Money costs $1.99, with no in-app purchases.

### Which has better reviews, RetirePlan or Time to Money?

Time to Money is rated higher. RetirePlan averages 4.3 out of 5 from 123 ratings, while Time to Money averages 4.4 from 7 ratings.

### Do RetirePlan or Time to Money have ads?

Neither RetirePlan nor Time to Money shows ads.

### Which is updated more often, RetirePlan or Time to Money?

RetirePlan ships an update every 2 months, and Time to Money every 3 months. Most recently, RetirePlan was updated on November 6, 2026 and Time to Money on November 7, 2026.

### Which is more popular, RetirePlan or Time to Money?

RetirePlan currently peaks at #61 in the App Store charts, and Time to Money at #96. Chart position reflects recent download velocity rather than total install base.

---

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