TwoRetire vs Billfold

Retirement isn't a solo project — so why plan it alone? TwoRetire is a retirement planning app built for couples. Instead of two separate spreadsheets or two different apps, you and your spouse see one shared plan — with each of you controlling exactly how much of your own accounts the other can see. WHAT YOU CAN DO • Track every retirement account — 401(k), Traditional/Roth IRA, taxable brokerage, HSA, and more — with your choice of full detail, totals only, or fully private per account. • Model your retirement timeline — drag a slider to see how retiring at 60 vs. 65 changes your household's net worth curve, decades into the future. • Compare withdrawal strategies — see the difference between a traditional withdrawal order and a strategy that fills your tax bracket, side by side. • Coordinate Social Security — a 3×3 claiming-age matrix for you and your spouse, break-even analysis, and survivor benefit planning. • Get an honest signal — a simple green/yellow/red indicator based on your actual projected shortfall, not a vague "you're on track" message. • Save and compare scenarios — "What if I retire at 62 instead of 65?" Save it, compare it against your baseline, and decide together. • Log the decisions that matter — freeze a scenario's assumptions when you make a real decision, so you can look back later and remember why. BUILT FOR TWO, PRIVATELY When you invite your spouse, you choose per account whether they see full details, just the total balance, or nothing at all. Nothing is shared until you explicitly turn it on — and visibility only ever gets more open, never less, so you always know exactly what's been seen. Your data lives in your own iCloud account. TwoRetire has no servers of its own — nothing is collected, nothing is sold, nothing is shared with third parties. Even shared data between spouses syncs directly through Apple's infrastructure, never through us. HONEST ABOUT WHAT IT DOES (AND DOESN'T DO) TwoRetire uses a straightforward, deterministic projection based on the assumptions you set — not Monte Carlo simulation, not a black box. Every number is explained in plain language, and a built-in FAQ walks through exactly what's calculated, what isn't (like state taxes), and why. This app is an educational planning tool to help you and your spouse have better conversations about retirement. It is not investment, tax, or legal advice — please consult a qualified professional for your actual decisions.

Billfold is a pocket wallet for knowing exactly how much you're worth. Turn bank accounts, stocks and funds, property, money owed to you, and money you owe into cards in a leather wallet. Log each balance change, and Billfold works out your net worth, asset allocation, and debt share — no transaction tracking, no bank syncing, just your whole financial picture at a glance. FIVE SLOTS Cash, Investments, Physical Assets, Receivables, and Debts. 28 preset card types, each with fields designed for that kind of asset. BALANCES, NOT TRANSACTIONS Spend two minutes a month updating balances and watch your net worth curve take shape. No logging every purchase, no connecting your bank. MULTI-CURRENCY Hold accounts in their original currency. Exchange rates update automatically when you open the app, and everything converts to your main currency. AUTO-REFRESHING QUOTES Add your fund and stock positions once and values update when you open the app. HOME-SCREEN WIDGET Net worth and this month's change, right on your Home Screen. PRIVATE BY DESIGN Your records live only on your device and in your private iCloud — never on our servers. Quote lookups send only ticker symbols. Lock the app with Face ID and hide amounts when you need to. BILLFOLD PRO The free wallet holds up to 10 cards. Pro removes the limit and adds 4 more leather finishes and icons, multi-currency, auto-refreshing quotes, and a Home Screen widget — as a yearly subscription or a one-time purchase. Terms of Use: https://trybillfold.app/en/terms/ Privacy Policy: https://trybillfold.app/en/privacy/