# RetirePlan vs Two

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.

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.

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.

## The numbers

| Metric | RetirePlan | Two |
| --- | --- | --- |
| Price | $4.99 | **Free** |
| Rating | **[4.3 (123 ratings)](https://appshunter.io/ios/app/retireplan/id435739013/reviews)** | — |
| Number of ratings | **123** | — |
| Positive reviews | 73.9% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 45 months |
| Monetization | Free with in-app purchases | — |
| Size | 58 MB | 8 MB |
| Requires iOS | **15.1** | 17.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Keltin Enterprises](https://appshunter.io/developer/1738708026) | [Julio Rico](https://appshunter.io/developer/1632765141) |

## 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


### Two

[App page](https://appshunter.io/ios/app/two-cents/id1645613964)

**Features:** macOS Compatibility

**In-app purchases:** none


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