Best Retirement Planner Apps

246+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated August 2026

Every iPhone needs a few good retirement planner apps. We benchmark 246+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Retirement Planner Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Retirement AdvisorRetirement AdvisorFree5.0★ (5)YesNoAug 2026
2Seraph: Retirement PlannerSeraph: Retirement PlannerFree5.0★ (6)NoNoAug 2026
3Empower ®Empower ®Free4.8★ (404K)NoNoAug 2026
4The Retirement PlannerThe Retirement PlannerFree4.0★ (4)NoNoJul 2026
5Retirement Calculator, PlannerRetirement Calculator, PlannerFree4.4★ (307)NoYesAug 2026
6NestPlan Retirement PlannerNestPlan Retirement PlannerFree5.0★ (4)NoYesAug 2026
7Principal®Principal®Free4.8★ (233K)NoNoAug 2026
8My RetirementMy RetirementFree4.8★ (23K)NoNoAug 2026

Top Picks for Retirement Planner

Retirement Advisor#1

Retirement Advisor by Eric Chang

Retirement calculator
Editor's Choice
💰 Finance
5.0(5 ratings)
FreeAds
Retirement Advisor screenshot 1
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Retirement Advisor screenshot 6

Plan your financial future with a powerful savings and retirement simulator. Get year-by-year projections, test early retirement scenarios, and optimize Social Security claims. Visualize savings growth and understand the impact of taxes and contributions.

Seraph: Retirement Planner#2

Seraph: Retirement Planner by Hailcat LLC

Monte Carlo Money Simulator
Strong Contender
💰 Finance
5.0(6 ratings)
Free
Seraph: Retirement Planner screenshot 1
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Seraph: Retirement Planner screenshot 6

This app simulates thousands of market futures and lifespans to estimate your chance of financial solvency in retirement. It models income, expenses, accounts, debt, and life events with a real US tax engine. Understand key insights and track your progress against your plan.

Empower ®#3

Empower ® by Empower Retirement, LLC

Plan, save, invest, retire
Worth Considering
💰 Finance
4.8😞(404K ratings)
Free
#48in Finance
Empower ® screenshot 1
Empower ® screenshot 2
Empower ® screenshot 3
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Empower ® screenshot 6

This app provides a comprehensive financial overview, consolidating all your accounts in one place. It offers tools to plan for retirement, manage budgets, track net worth, and simulate financial scenarios, making financial management clearer and simpler.

What We Love

  • 👍 Good product overall
  • 🚀 Sleek design and robust performance
  • 🔒 Excellent customer service and support

Room to Improve

  • 🐛 Buggy and unreliable app
  • ⏱️ Slow loading times
  • 🤔 Missing key features and functionality

More Retirement Planner apps to explore

4
The Retirement Planner
The Retirement Planner
The Retirement Planner
Financial calculator
Free

Forecast your retirement finances with this tool. Input your starting principal, expected returns, and withdrawal rates to estimate your post-tax income annually. Plan for different retirement phases and determine if your savings will last.

Retirement financial forecastingAnnual post-tax income estimationCustomizable retirement phases
💰 Finance
(4)
free
5
Retirement Calculator, Planner
Retirement Calculator, Planner
Retirement Calculator, Planner
Preparing finances for old age
Free

This app helps you plan your retirement finances with personalized guidance and detailed schedules. It offers accurate calculations for savings and withdrawals, allowing you to track your progress and adjust your strategy for financial freedom.

Accurate retirement savings calculationsPersonalized saving strategy adviceDetailed annual contribution and distribution schedule
🔧 Utilities
(307)
subscription
6
NestPlan Retirement Planner
NestPlan Retirement Planner
NestPlan Retirement Planner
Your number, to the dollar
Free

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.

Comprehensive retirement projectionsSupport for 401(k), IRA, Roth, Brokerage, HSASocial Security benefit integration
💰 Finance
(4)
free with in-app purchases
7
Principal®
Principal®
Principal®
Retire on your terms.
Free

Manage your retirement savings and financial goals from your mobile device. Track account balances, adjust contributions, and access educational resources to improve your financial confidence. Tools are available to help you assess your progress towards retirement.

View account balancesRoll over fundsChange contributions
💰 Finance
(233K)
free with in-app purchases
8
My Retirement
My Retirement
My Retirement
by Nationwide Mutual Insurance
Free

Access your employer-sponsored retirement plan on the go. View account balances, asset breakdowns, and manage contributions. Plan your retirement readiness with integrated financial planning tools.

Account balance viewingAsset class breakdownsContribution management
💰 Finance
(23K)
free
9
PlanMode: Retirement Planner
PlanMode: Retirement Planner
PlanMode: Retirement Planner
Long-term Financial Planning
Free

This app helps you plan for your financial future by projecting your wealth over your lifetime. It analyzes potential shortfalls in retirement savings and allows you to test various financial scenarios to ensure you have sufficient resources.

Lifetime wealth projectionsRetirement savings gap analysisScenario testing for financial decisions
💰 Finance
(105)
free with in-app purchases
10
Projections:Retirement Planner
Projections:Retirement Planner
Projections:Retirement Planner
Retirement Planning Made Easy
Free

This app helps you plan for retirement by allowing you to input your assets, income, spending, and contributions. It provides real-time updates on how adjustments affect your savings goals, offering confidence in your financial future.

Create retirement projectionsManual or guided setupReal-time impact analysis
💰 Finance
(1)
ad-supported
11
FIRECalc: Retirement Planner
FIRECalc: Retirement Planner
FIRECalc: Retirement Planner
Investment | Retirement | 401k
Free

This app simulates thousands of market scenarios to provide customized retirement planning. It helps you determine your exact retirement age, safe annual budget, and optimal withdrawal strategy across various assets, factoring in potential government aid.

Thousands of market simulationsCustomized retirement runwaySmart drawdown strategy
💰 Finance
(6)
freemium
12
When Can I Retire
When Can I Retire
When Can I Retire
Retirement Age Calculator
Free

Calculate your potential retirement age based on various financial inputs like salary, contributions, and expected expenses. It factors in withdrawal penalties, contribution limits, and employer matching to provide pre and post-retirement financial plans.

Retirement age calculationInput salary, contributions, and expensesFactor in withdrawal penalties
💰 Finance
(60)
free with in-app purchases
13
Wealthfront: Save and Invest
Wealthfront: Save and Invest
Wealthfront: Save and Invest
Saving, investing, stocks.
Free

This app offers a high-yield cash account, automated investing with expert-built portfolios, and commission-free stock trading. It provides a consolidated view of your finances to help you build wealth and plan for retirement.

High-yield cash account with APYAutomated ETF portfoliosCommission-free stock and ETF investing
💰 Finance
(17K)
free with in-app purchases
14
Prosperly: Retirement Planner
Prosperly: Retirement Planner
Prosperly: Retirement Planner
Retirement Planner & Simulator
Free
🌟 Lifestyle
(0)
15
RetireSpan: Retirement Planner
RetireSpan: Retirement Planner
RetireSpan: Retirement Planner
Drawdown & Withdrawal Planner
Free
💰 Finance
(0)
16
FIncoming: Retirement Planner
FIncoming: Retirement Planner
FIncoming: Retirement Planner
Roth, RMD & what-if calculator
Free

Explore retirement scenarios with a powerful calculator. Adjust variables like retirement age, savings, and spending to see instant projections. Handles complex tax details, including RMDs and Roth conversions, with advanced probability analysis.

Retirement scenario explorationTax-aware projections (federal, state, IRMAA, Medicare)Required Minimum Distribution (RMD) calculations
💰 Finance
(2)
free with in-app purchases
17
Wealthihq: Retirement Planner
Wealthihq: Retirement Planner
Wealthihq: Retirement Planner
Smart wealth management App
Free
🔧 Utilities
(0)
18
Aurora Retirement Planner
Aurora Retirement Planner
Aurora Retirement Planner
by Hoang Nguyen
Free

Visualize your retirement path with an intuitive timeline. Adjust key financial assumptions like contributions and spending to see their immediate impact on your future. This app offers a privacy-first approach, keeping your plan securely on your device.

Visual retirement timelineAdjustable financial inputsInstant impact feedback
💰 Finance
(0)
paid
19
Micro Retirement Planner
Micro Retirement Planner
Micro Retirement Planner
Sabbatical Budget Tracker
Free
💰 Finance
(0)
20
My Retirement Planner
My Retirement Planner
My Retirement Planner
Calculate your retirement
Free
🎬 Entertainment
(0)

FAQ about Retirement Planner

What are the best retirement planner apps for iPhone?
Retirement Advisor tops our retirement planner apps ranking as of August 2026, with a 5.0-star average from 5 App Store ratings, and it's free to download.
Yes — 20 of the top retirement planner apps we rank are free to download, including Retirement Advisor and Seraph: Retirement Planner.
Retirement Advisor shows ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 246+ retirement planner apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Retirement Advisor is a financial planning tool designed to help users simulate retirement scenarios, project savings growth, and plan for early retirement. It provides detailed breakdowns of income, expenses, and the impact of taxes and contributions.
Retirement Advisor uses a sophisticated model that incorporates tax-deferred and tax-free savings accounts, pension and Social Security benefits, income tax from distributions, RMDs, and early withdrawal penalties. It provides year-by-year projections.

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