Comparison

RetirePlan vs RetireWhen

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

RetireWhen

This app helps you plan your retirement by allowing you to adjust various financial factors and instantly visualize their impact on your future savings and depletion age through dynamic charts and interactive sliders.

Highlights
  • Dynamic real-time charts
  • Support for 3 user profiles
  • Adjust income, savings, and spending
  • Visualize depletion age and savings breakdown
  • Interactive sliders for real-time adjustments
  • Year-by-year results view
  • Advanced variable adjustments
Features
Read full description

RetireWhen: Plan Your Future, Instantly Take control of your retirement journey with RetireWhen – the intuitive, all-in-one retirement calculator that lets you see your future take shape as you adjust your plans. Features: • Dynamic charts that update instantly as you adjust values • Support for 3 profiles: Partner 1, Partner 2, and the two Combined • Set your income, savings, retirement age, spending, and more • Visualize depletion age and savings breakdown with clear graphs • Interactive sliders to tweak retirement age and spending in real-time • View detailed, year-by-year results in the Results tab • Adjust advanced variables like growth and inflation rates • iPad and iPhone optimized – works great in both portrait and landscape • All features included – no subscriptions or in-app purchases • Save results to Files or share via text, email, etc. • Your personal info stays on your phone. None of it is shared or sold to third parties Plan smarter. Know When you can Retire. Download RetireWhen today and take the guesswork out of your future.

Screenshots

RetirePlan4 screens
RetireWhen4 screens

Verdict

The call

The clearest difference is price: RetireWhen at Free against RetirePlan's $4.99. RetireWhen also leads on rating (5.0 vs 4.3) and in-app purchases (none vs 5). RetirePlan's advantage is ads (none vs shown) and ratings volume (123 vs 8). On update cadence 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

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

ReceptionRating · Positive reviews · Number of ratings

RetireWhen holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: RetirePlan has 123 ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 75% of RetirePlan's written reviews are positive against 100% of RetireWhen's.

UpkeepUpdate frequency

RetirePlan ships an update every 2 months, RetireWhen every 4 weeks. The most recent releases landed on October 12, 2026 and September 30, 2026 respectively.

Scorecard8 real differences · 2 level
RetirePlan versus RetireWhen: the parameters behind the verdict, then further details
ParameterRetirePlanRetireWhen
Price$4.99Free — better
Rating4.3 (123 ratings)5.0 (8 ratings) — better
Positive reviews75.0% of reviews100.0% of reviews — better
Number of ratings123 — better8
Update frequencyEvery 2 monthsEvery 4 weeks — better
AdsNo — betterYes
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.1 — better17.6
Further details — not scored
Size58 MB5 MB
Age rating4+12+
DeveloperKeltin EnterprisesOrestes Melgarejo

Customer experience

RetirePlan

All ratings123 ratings
Positive82.1%
Neutral4.9%
Negative13.0%
Written reviews88 reviews
Positive75.0%
Neutral5.7%
Negative19.3%

RetireWhen

All ratings8 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews8 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

RetireWhen

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

RetireWhen

No in-app purchases

Questions

Is RetirePlan free?
RetirePlan costs $4.99, and also offers in-app purchases.
Is RetireWhen free?
RetireWhen is free to download, with no in-app purchases.
Which has better reviews, RetirePlan or RetireWhen?
RetireWhen is rated higher. RetirePlan averages 4.3 out of 5 from 123 ratings, while RetireWhen averages 5.0 from 8 ratings.
Do RetirePlan or RetireWhen have ads?
RetireWhen shows ads; RetirePlan does not.
Which is updated more often, RetirePlan or RetireWhen?
RetirePlan ships an update every 2 months, and RetireWhen every 4 weeks. Most recently, RetirePlan was updated on October 12, 2026 and RetireWhen on September 30, 2026.

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