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
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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 retirement calculator helps individuals and couples explore their financial future. Adjust assumptions like savings, salaries, and investment returns to visualize projected savings and spending through interactive charts and detailed year-by-year results. Plan for staggered retirements and understand the impact of your financial choices.
- Individual and couple retirement planning
- Interactive chart sliders for retirement age and spending
- Year-by-year financial projections
- Adjustable financial assumptions (savings, salary, inflation)
- Staggered retirement modeling
- CSV export of results
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RetireWhen: Explore Your Retirement Options When could you retire? How much could you spend? Explore the possibilities with RetireWhen, a retirement calculator for individuals and couples. Adjust your assumptions and see how your projected savings change through interactive charts and detailed, year-by-year results. PLAN FOR ONE PERSON OR TWO • Create individual profiles for each partner and a Combined household projection • Model different retirement dates, salaries, savings rates, and investment returns • See how a working partner’s income helps cover household spending during a staggered retirement • Include retirement income that increases with inflation, plus optional fixed income with its own start age • Adjust spending, salary growth, inflation, and investment-growth assumptions SEE THE EFFECT OF YOUR CHOICES • Explore retirement age and annual spending with interactive chart sliders • View yearly balances, investment growth, net contributions, and unfunded spending • See when your portfolio reaches zero and whether income still covers your expenses • Model a gradual transition between working-years and retirement investment returns • Export year-by-year results as CSV files to save or share DESIGNED FOR iPHONE DUO On an unfolded iPhone Duo, keep Settings beside your chart or results. Adjust your inputs and see the effect side by side. Fold the device or rotate it upright for a focused, single-column layout. RetireWhen also adapts to iPhone and iPad. GO FURTHER WITH RETIREWHEN PRO Unlock Pro with a one-time in-app purchase: • Remove ads • Save retirement plans and compare up to four scenarios • Estimate your earliest retirement age under your selected assumptions • Explore when both partners could retire in the same calendar year • Estimate affordable annual spending at your chosen retirement dates • Export PDF reports with charts, assumptions, retirement milestones, and plan comparisons The core calculator, individual and household profiles, charts, and detailed results are available free. No subscription is required. YOUR PLANS, ON YOUR DEVICE No sign-in is required. Financial inputs and saved plans are stored locally on your device. The free version displays Google ads, which may collect data as described in our Privacy Policy. Pro removes ads. UNDERSTAND THE ESTIMATE RetireWhen provides projections based on your assumptions. Actual returns vary, and losses early in retirement can change the outcome. Taxes, fees, and unexpected expenses may also affect your results. Estimates are for planning purposes and do not guarantee retirement outcomes. Explore your options. Plan your next chapter with RetireWhen.
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 review sentiment (100% vs 74%). RetirePlan's advantage is ads (none vs shown) and ratings volume (123 vs 8). On update cadence, in-app purchases, monetization model 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 and RetireWhen sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
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: 74% 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 November 1, 2026 and November 5, 2026 respectively.
| Parameter | RetirePlan | RetireWhen |
|---|---|---|
| Price | $4.99 | Free — better |
| Rating | 4.3 (123 ratings) | 5.0 (8 ratings) — better |
| Positive reviews | 73.9% 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 | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| 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
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- 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
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- 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
- RetireWhen Pro$9.99
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?
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