Comparison

RetirePlan vs Two

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

Two

Features
Read full description

Track all your expenses: Make categories to organize your expenses, write down the price and save it. You can establish a limit in order to save money. Compare with previous months: Two-Cents can also display comparative charts between months in order to see your progress. Do you remember your goal limit? You can also see your progress between the limit and your actual expenses. It's easy to use: You decide how much you want to save.

Screenshots

RetirePlan4 screens
Two4 screens

Verdict

The call

The clearest difference is price: Two at Free against RetirePlan's $4.99. Two also leads on in-app purchases (none vs 5). RetirePlan's advantage is update cadence (every 2 months vs every 45 months) and iOS requirement (15.1 vs 17.6). On ads and device support 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

Two is free to download; RetirePlan costs $4.99 up front. RetirePlan sells 3 one-off in-app purchases. Two asks for nothing beyond the download.

UpkeepUpdate frequency

RetirePlan ships an update every 2 months, Two every 45 months. The most recent releases landed on November 13, 2026 and November 7, 2026 respectively.

Scorecard4 real differences · 6 level
RetirePlan versus Two: the parameters behind the verdict, then further details
ParameterRetirePlanTwo
Price$4.99Free — better
Rating4.3 (123 ratings) — better—
Positive reviews73.9% of reviews—
Number of ratings123 — better—
Update frequencyEvery 2 months — betterEvery 45 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.1 — better17.6
Further details — not scored
Size58 MB8 MB
Age rating4+4+
DeveloperKeltin EnterprisesJulio Rico

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

Two

Not enough reviews yet to summarise bugs or requests.

In-app purchases

3 purchases

RetirePlan

One-time3
  • 5 additional scenarios$1.99
  • save 5 more scenarios3 variants$1.99
  • 5 Scenarios$1.99
None

Two

No in-app purchases

Questions

Is RetirePlan free?
RetirePlan costs $4.99, and also offers in-app purchases.
Is Two free?
Two is free to download, with no in-app purchases.
Do RetirePlan or Two have ads?
Neither RetirePlan nor Two shows ads.
Which is updated more often, RetirePlan or Two?
RetirePlan ships an update every 2 months, and Two every 45 months. Most recently, RetirePlan was updated on November 13, 2026 and Two on November 7, 2026.

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