# MCarloRisk3D vs NestPlan Retirement Planner

The clearest difference is in-app purchases: MCarloRisk3D at none against NestPlan Retirement Planner's 2. MCarloRisk3D also leads on iOS requirement (12.0 vs 15.0). NestPlan Retirement Planner's advantage is update cadence (every 5 days vs every 2 months) and ratings volume (5 vs 1). On price, rating, review sentiment and ads there is nothing between them.

Both are free to download. NestPlan Retirement Planner sells 2 in-app purchases, starting at $3.99 per month. MCarloRisk3D asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for MCarloRisk3D against 5.0 for NestPlan Retirement Planner. That said, the two scores are not equally well evidenced: NestPlan Retirement Planner has 5 ratings behind it against 1, so its average is the more settled of the two. Written reviews split almost evenly too, at 100% and 100% positive.

MCarloRisk3D ships an update every 2 months, NestPlan Retirement Planner every 5 days. The most recent releases landed on November 1, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | MCarloRisk3D | NestPlan Retirement Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/mcarlorisk3d/id641208540/reviews) | [5.0 (5 ratings)](https://appshunter.io/ios/app/nestplan-retirement-planner/id6757770121/reviews) |
| Number of ratings | 1 | **5** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 5 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 2 MB | 23 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [differential enterprises](https://appshunter.io/developer/323713853) | [CoreForge LLC](https://appshunter.io/developer/1868857137) |

## What reviewers say

### MCarloRisk3D

[App page](https://appshunter.io/ios/app/mcarlorisk3d/id641208540)

Estimate future stock and crypto prices with advanced Monte Carlo simulations. Backtest your strategies and account for extreme market events with customizable parameters. Offers 3D visualizations for enhanced understanding of probability surfaces.

**Highlights:** Monte Carlo price/probability estimation, Stock and crypto analysis, Backtesting and verification, 3D probability surface visualization, Optional Black Swan events, Tunable forward volatility, Historical data resampling

**Features:** macOS Compatibility

**In-app purchases:** none


### NestPlan Retirement Planner

[App page](https://appshunter.io/ios/app/nestplan-retirement-planner/id6757770121)

Plan your financial future with confidence using this comprehensive retirement calculator. It offers detailed projections, supports various account types, and integrates Social Security benefits. All calculations are performed on your device, ensuring your financial data remains private.

**Highlights:** Comprehensive retirement projections, Support for 401(k), IRA, Roth, Brokerage, HSA, Social Security benefit integration, Year-by-year projection tables, Interactive charts, Monte Carlo simulations, PDF report export

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| NestPlan Pro Monthly | $3.99 | per month |
| NestPlan Pro | $29.99 | per year |


## Frequently asked questions

### Is MCarloRisk3D free?

MCarloRisk3D is free to download, with no in-app purchases.

### Is NestPlan Retirement Planner free?

NestPlan Retirement Planner is free to download, with in-app purchases available.

### Which has better reviews, MCarloRisk3D or NestPlan Retirement Planner?

MCarloRisk3D and NestPlan Retirement Planner are both rated 5.0 out of 5 on the App Store, from 1 and 5 ratings respectively.

### Do MCarloRisk3D or NestPlan Retirement Planner have ads?

Neither MCarloRisk3D nor NestPlan Retirement Planner shows ads.

### Which is updated more often, MCarloRisk3D or NestPlan Retirement Planner?

MCarloRisk3D ships an update every 2 months, and NestPlan Retirement Planner every 5 days. Most recently, MCarloRisk3D was updated on November 1, 2026 and NestPlan Retirement Planner on November 5, 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.*