RetirePlan vs RetireWhen
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
Read full descriptionHide 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.
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.
- 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
Read full descriptionHide 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
Verdict
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
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.
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.
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.
| Parameter | RetirePlan | RetireWhen |
|---|---|---|
| Price | $4.99 | Free — better |
| Rating | 4.3 (123 ratings) | 5.0 (8 ratings) — better |
| Positive reviews | 75.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 123 — better | 8 |
| Update frequency | Every 2 months | Every 4 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.1 — better | 17.6 |
| Further details — not scored | ||
| Size | 58 MB | 5 MB |
| Age rating | 4+ | 12+ |
| Developer | Keltin Enterprises | Orestes Melgarejo |
Customer experience
RetirePlan
RetireWhen
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 moreShow fewer
- 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 moreShow fewer
- 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
RetirePlan
- 5 additional scenarios$1.99
- save 5 more scenarios3 variants$1.99
- 5 Scenarios$1.99
RetireWhen
No in-app purchases
Questions
Is RetirePlan free?
Is RetireWhen free?
Which has better reviews, RetirePlan or RetireWhen?
Do RetirePlan or RetireWhen have ads?
Which is updated more often, RetirePlan or RetireWhen?
Other comparisons















