Smart Retirement Planner vs NestFIRE

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.

NestFIRE turns everyday tracking into a clear answer to the only retirement question that matters: will I have enough, and when? Log your spending and income in seconds, add your savings, investments and property, then watch a year-by-year cash-flow forecast project your finances from today to age 95 — in your own currency. WHAT YOU CAN DO • Forecast your financial independence age with a live adequacy score • Track daily spending and income, with every stream mapped by start and end age • See your whole picture: savings, investments and property together • Model asset drawdowns — set a monthly amount and watch it flow into your forecast • Choose your currency; every figure formats to it automatically WITH PRO • What-if scenario planner — retire earlier, save more, downsize, and see the impact instantly • Inflation stress test from 1.5% to 6.2%, with horizons out to age 110 • Side-by-side comparison of two financial independence paths • Year-by-year detail table — pinpoint the exact year a plan goes off track • Net worth timeline, spending and income insights, and an exportable annual PDF report PRIVACY BY DESIGN Your financial data is stored on your device. No account. No cloud sync. Nothing uploaded. Export an encrypted backup whenever you want to move devices. Try Pro free for 14 days — no payment method required, and it does not auto-convert into a subscription. NestFIRE is a personal planning tool, not financial advice. Projections are estimates based on the figures you enter. Consult a qualified financial professional before making decisions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://nestfire.app/privacy-policy