RetireSpan vs Smart Retirement Planner

Will your retirement savings last long enough? RetireSpan gives you a clear, honest answer — and shows you exactly what to do if they won't. Most retirement apps are built for growing your money. RetireSpan is built for spending it wisely. If you're 55–65 and approaching retirement, this is the app you've been missing. YOUR RETIREMENT HEALTH SCORE: See instantly whether your plan is on track. Your personal score (0–100) tells you at a glance if your savings will last, with a clear breakdown of what's working and what needs attention. HOW LONG WILL YOUR MONEY LAST? Enter your savings, your monthly income goal, and your retirement date. RetireSpan projects exactly how many years your portfolio will last — and what age you'll run out if you don't adjust. THE 3-BUCKET STRATEGY: The bucket strategy is the gold standard of retirement income planning. RetireSpan helps you split your savings into three buckets: - Cash (1–2 years of expenses): your short-term safety net - Bonds (3–10 years): steady income while your stocks grow - Stocks (10+ years): long-term growth to beat inflation Get monthly reminders when your cash bucket needs a refill — so you never have to sell stocks at the wrong time. THE SIMULATOR: Adjust your withdrawal amount, expected return, and inflation rate — and watch your projection update in real time. Ask "what if?" and get an immediate answer. MONTE CARLO SIMULATION: Don't rely on a single projection. RetireSpan stress-tests your plan against 1,000 randomized market scenarios — giving you a real probability of success, not just a best-case estimate. "Your plan succeeds in 72% of scenarios." That single number tells you more than any spreadsheet. SCENARIO COMPARISON: See how small changes move the timeline. Compare your current plan against a lower-spend scenario and a higher-inflation scenario — side by side. SOCIAL SECURITY OPTIMIZER: Claiming Social Security at 62 vs 70 can mean hundreds of dollars difference per month — for the rest of your life. RetireSpan shows you exactly how each claiming age changes your monthly benefit, so you can make the right call. PDF REPORT: Export a clean, professional summary of your retirement plan to share with your financial advisor, your spouse, or just to keep for your records. BUILT FOR PEOPLE WHO ARE ALMOST THERE: RetireSpan isn't for day traders or crypto investors. It's for people who have spent 30 years building a nest egg and now need a clear, calm plan for spending it wisely. No jargon. No noise. Just clarity. IMPORTANT NOTE: RetireSpan is a planning and educational tool. It does not provide personalized financial advice. Always consult a qualified financial advisor before making major retirement decisions. Privacy Policy: https://asarulabs.com/privacy.html Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Retirement planning does not need to be complicated. Smart Retirement Planner helps you answer the biggest retirement questions with simple tools, visual projections, and practical guidance. See how much you may need, how your accounts could grow, whether your withdrawals may last, and how to bridge the gap before Social Security begins. Built for real life. Built for privacy. No account required. Who is it for? • Adults planning for retirement • 401(k), IRA, Roth IRA, and brokerage account holders • People who want clarity without financial jargon • Anyone looking for a focused retirement planning toolkit instead of a complicated retirement suite Start with a personalized retirement overview that brings everything together in one place. • Plan Strength score with coaching • On Track, Getting Close, or Needs Attention guidance • Savings goal and projected balance • Estimated retirement income • Chance of reaching your goal using Monte Carlo simulation • Typical outcome range across market scenarios • Retire later comparisons • Saved scenarios for easy planning Discover how much you may need for retirement and what you should save each month to reach your goal. • Inflation adjusted spending goals • Monthly savings targets • Funding gap analysis • Catch up guidance when you are behind schedule 401(k) Growth Planner Project the future value of your retirement accounts. • Paycheck contributions • Employer matching contributions • Match limits and caps • Expected growth assumptions • Expense ratio impact Explore retirement income strategies and test whether your savings may support your lifestyle. • Monthly withdrawal planning • 4% rule benchmark comparisons • Estimated taxes on traditional account withdrawals • Required Minimum Distribution estimates • Longevity projections for your savings Retire before Social Security starts and understand how to fund the gap. • Retirement age vs. claiming age comparisons • Pension and other income support • Income gap calculations • Post Social Security income coverage Smart Features • Live updates as you adjust inputs • Full horizon projection charts • Monte Carlo market simulations • Personalized coaching and plan strength insights • Welcome setup that pre fills planners from your information • Gentle plan aware reminders that adapt to your progress Try each planner with free previews. Upgrade once to unlock: • Unlimited planner runs • Printable PDF retirement worksheet • Combined summary of your Plan, 401(k), Withdrawals, and Social Security Bridge • Assumptions, charts, and Monte Carlo legend Your Privacy Matters Smart Retirement Planner stores your information on your device. • No account required • No cloud planning service • No selling your personal financial information • 100% private on device experience Important Disclaimer Smart Retirement Planner is educational estimation software intended for informational purposes only. It does not provide financial, investment, tax, or legal advice. All projections and simulations are estimates and should not be considered guarantees of future results.