Retirement Planner
From Social Security timing to estate taxes — your whole retirement in one app.
A native iPhone and iPad app for detailed, privacy-first retirement planning — also on Apple Silicon Macs.
Features
Tax-Aware Projections
Year-by-year projections covering federal income tax, capital gains, NIIT, Medicare IRMAA, ACA premium tax credits, and all 50 states plus D.C. Estate tax modeled at federal and state levels.
Social Security Optimizer
Evaluate claiming ages 62 to 70 for yourself and your spouse. Breakeven analysis, COLA projections, and the long-term dollar impact of each strategy.
Roth Conversion Engine
Three conversion modes: standard bracket fill, IRMAA-aware (size conversions to stay under Medicare surcharge thresholds), and minimize conversions. A unified Tax Payment Source setting — Auto, Taxable, or Traditional — controls where the tax on conversions and withdrawals is funded.
6-Tier Withdrawal Engine
Sources funds across six account tiers in priority order — Traditional, Investment, Annuity, Roth, Savings, and HSA — with five selectable strategies: Spending Needs, Fixed Amount, Percentage, Guardrails (Guyton-Klinger), and Tax-Aware.
RMD Engine
Annual Required Minimum Distributions calculated using the IRS Uniform Lifetime Table with SECURE Act 2.0 updates. RMD obligations are automatically factored into the withdrawal engine.
SEPP / 72(t) Calculator
Compute Substantially Equal Periodic Payments under all three IRS-approved methods: fixed amortization, fixed annuitization, and RMD method. Access retirement funds early without the 10% penalty.
ACA Subsidy Calculator
Estimates ACA marketplace premium tax credits and cost-sharing reductions based on projected MAGI and household size. Roth conversions and other income shifts show their ACA impact in real time.
Cost Basis & Tax-Loss Harvesting
Lot-level cost basis tracking for taxable accounts. Identifies tax-loss harvesting opportunities across holdings and integrates results into the projection engine.
Net Worth Tracker
Home equity, mortgage amortization, and total net worth projected alongside financial account balances. See how your complete balance sheet evolves through retirement.
Monte Carlo Risk Analysis
Historical simulation using 98 years of actual S&P 500 returns (1928–2025) plus configurable parametric simulation. Reports success rate, median ending balance, and sequence-of-returns risk.
Plan Permutation Grid Search
Grid search across withdrawal amounts, Social Security claiming ages, and Roth conversion strategies. Filter results by success rate and drill into any permutation’s full detailed report (Pro).
Scenario Comparison & Sensitivity
Side-by-side comparison of two plans. Tornado-chart sensitivity analysis shows which assumptions — return, inflation, withdrawal, Social Security timing — most affect your outcome.
Free & Pro
Free
- Unlimited retirement plans
- Full planning and editing — income, expenses, accounts, Social Security, Roth conversions, withdrawal strategies
- Complete tax engine and projection engine
- RMD, SEPP / 72(t), estate, ACA, and IRMAA calculations
- All 25 charts viewable on-screen
- All 14 report pages viewable on-screen
- Monte Carlo, sensitivity analysis, plan comparison, permutation grid search
Pro
- Drill into full reports for any permutation result
- Save permutation results as named strategies
- Export full projection PDF report with charts and table of contents
- Export CSV from any report page — Income, Expenses, Withdrawals, Net Worth, Investments, Projections, Social Security, Permutation Results, and — from the Taxes page — Tax Detail, MAGI Detail, and Capital Gains breakdowns
- Export Personal Data as JSON
- Export Plan Strategy (config) as JSON
- Import Personal Data from JSON
- Import Plan Strategy from JSON
$19.99 — one-time purchase, no subscription.
Why Retirement Planner?
On-device calculations. No backend, no subscription.
Every projection runs on your iPhone, iPad, or Mac. Nothing is sent to a server. No account required. No recurring fee.
Comprehensive tax modeling
Federal brackets, all 50 states plus D.C., capital gains, Net Investment Income Tax, Medicare IRMAA surcharges, and ACA premium tax credits — all in a single integrated engine.
Optional iCloud sync through your own Apple account
Enable iCloud and your plans sync privately across your devices. Easy Chair Apps Lab never has access to your data — it stays in your iCloud account.
98 years of real market data
Monte Carlo historical simulation uses actual S&P 500 annual returns from 1928 to 2025, not synthetic distributions. Parametric mode lets you configure your own assumptions.
Native on iPhone & iPad, runs on Mac
Built with SwiftUI. Runs natively on iPhone and iPad, and on Apple Silicon Macs as a Designed for iPad app. The same plan files and calculations, wherever you are.
Built to Teach, Not Just Calculate
Retirement finance is full of jargon and non-obvious tax mechanics. Retirement Planner explains them in plain language, right where the numbers appear, so you learn the “why” behind every result — a strong fit for DIY planners, anyone preparing for a meeting with a financial advisor, and students of personal finance or tax.
Built-in Glossary (100+ terms)
A plain-language definition for every piece of jargon — MAGI, IRMAA, NIIT, RMD, cost basis, qualified dividends, provisional income, sequence-of-returns risk, and more — reachable from info buttons throughout the app.
Guided Tutorials on Every Screen
Each report page and editor has its own walkthrough: what the page shows, how to read each column, tips for acting on it, and warnings about common mistakes — plus conceptual overviews of hard topics like how MAGI drives IRMAA and NIIT.
Tables That Show Their Work
Instead of a single mystery number, reports break results into their parts. The Capital Gains Detail table shows Investment Sold next to Realized Gain so you can see the cost-basis math; the MAGI Detail table lists every income component that sums to MAGI.
Reference Data Browser
View the actual IRS tax brackets, capital-gains rates, IRMAA thresholds, RMD Uniform Lifetime Table, Social Security adjustment factors, and state tax rates — the real source numbers behind the projections, not a black box.
Clear, Stated Assumptions
Modeling choices are spelled out — all dividends treated as qualified, a default 50% cost basis you can override per account, standard deduction only — so you understand exactly what the projection does and does not model.
For Young Investors
Although the app targets retirement, its projection engine models decades of compounding and taxes — which makes it a surprisingly good tool for younger savers who want to understand how today’s choices play out over a lifetime. It answers the question most budgeting apps never touch: why does it matter where I save, and what will it cost me later?
See How Money Grows
Model contributions plus market growth across 30–40 years and watch a modest monthly amount compound into a retirement number — with historical S&P 500 return data (1928–2025) and Monte Carlo analysis showing the range of outcomes, not just a single line.
Understand the Tax Trade-offs Early
Compare saving in a Traditional account (deduct now, taxed later — including RMDs and possible IRMAA surcharges) versus a Roth (pay tax now, grow and withdraw tax-free) and see the difference decades out, in real dollars.
Learn What Each Account Costs You Later
The app makes the downstream tax picture concrete: Traditional means ordinary income plus required withdrawals; Roth is tax-free; a taxable brokerage brings capital gains, qualified dividends, and cost-basis mechanics.
The Case for Tax Diversification
By modeling Traditional, Roth, and taxable buckets together, a young saver can see why having all three — and starting a taxable or Roth balance early — gives far more flexibility to control taxes in retirement.
Contribution Rules Built In
SECURE Act 2.0 contribution and catch-up limits are modeled, so the “how much can I put in” question is answered as you plan.
No account. No analytics. No network calls.
Your financial data lives on your device. Retirement Planner has no analytics SDK, no telemetry, and no sign-in. The only Apple-managed network path is the App Store for the Pro purchase. The privacy manifest confirms zero data collection.
For informational purposes only. Retirement Planner provides projections and analysis tools to help you explore retirement scenarios. It is not a substitute for professional financial or tax advice. All plans should be reviewed with a qualified financial planner and/or CPA before making financial decisions. Investment returns are not guaranteed — actual results will vary based on market conditions. Past performance does not guarantee future results.