Retirement Planner
From Social Security timing to estate taxes — your whole retirement in one app.
A native iPhone, iPad, and Mac app for detailed, privacy-first retirement planning.
Coming soon — link active at launch
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
Bracket-targeting and IRMAA-aware Roth conversion recommendations. Supports minimize-tax and target-amount modes across a multi-year planning horizon.
6-Tier Withdrawal Strategy
Six configurable withdrawal tiers across eight named strategies — tax-bracket-fill, proportional, Roth-last, and more. Dynamic guardrails set a ceiling and floor on year-to-year spending adjustments.
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 97 years of actual S&P 500 returns (1928–2024) 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 22 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, Taxes, Investments, Projections, and Permutation Results
- 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.
97 years of real market data
Monte Carlo historical simulation uses actual S&P 500 annual returns from 1928 to 2024, not synthetic distributions. Parametric mode lets you configure your own assumptions.
Native on iPhone, iPad, and Mac
Built with SwiftUI and Mac Catalyst for native rendering on all three platforms. The same plan files and calculations, wherever you are.
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.