RetireWhen vs Boldin Retirement Planner

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.

Boldin is your personal retirement planning companion - built to give you clarity, confidence, and a clear roadmap to financial freedom. Whether you're just starting to think about retirement or fine-tuning your strategy, Boldin puts powerful financial modeling in the palm of your hand. No spreadsheets. No financial advisor required. FINANCIAL HEALTH DASHBOARD Get an instant, real-time snapshot of your financial health. See your projected net worth at retirement, nest egg longevity, monthly cash flow, and a personalized Financial Health Score - all in one glance. WHAT-IF SCENARIO LAB Ask the most important financial questions: - What if I retire 5 years earlier? - What if I save $500 more per month? - What if inflation hits 5%? Adjust sliders for retirement age, savings, return rate, inflation, and monthly expenses - and see the impact on your nest egg instantly. GOALS TRACKER Set and track financial milestones beyond retirement: dream home, college fund, emergency reserve, or early financial independence. Visual progress tracking keeps you motivated. PORTFOLIO & ACCOUNTS Manage your complete financial picture: - Assets (401k, IRA, brokerage, real estate, crypto) - Liabilities (mortgage, student loans, car loans) - Income sources with growth projections and tax estimates ADVANCED STRATEGY LABS - Social Security Optimizer: model claiming ages 62-70 and find your actuarial breakeven - Roth & Tax-Aware Optimizer: fill lower brackets and cut lifetime RMD taxes (SECURE 2.0) - Medicare & IRMAA Analyzer: avoid costly Part B & Part D premium surcharges - Stress Testing Lab: simulate market crashes, high inflation, and survivor events PRIVACY & SECURITY - All data stored locally on your device - nothing uploaded to servers - Face ID / Touch ID lock to protect your financial data - No account required to get started Boldin is designed for U.S.-based retirement planning using current IRS rules, Social Security regulations, and Medicare guidelines. Built for anyone serious about their financial future.