Retirement Success Graph

Plan Decades in Seconds

Only for iPhone

Free · In-App Purchases · Designed for iPhone. Not verified for macOS.

iPhone

Stress-test your FIRE retirement plan against 100+ years of economic data. Plan decades in seconds with advisor-grade Monte Carlo analysis. Whether you're testing your FIRE retirement plan or just starting, Retirement Success Graph makes professional retirement planning available to everyone. POWER + PRIVACY:   Powered by a Monte Carlo Engine performing up to 10,000 simultaneous simulations, Retirement Success Graph stress-tests your retirement plan using 100+ years of US market & economic data. A privacy-first architecture ensures that no data leaves your device.  No subscriptions. No registration. No ads. MISTAKE-FREE MODE: The new 'Guide Me' mode offers a simple Q&A to create or modify your retirement plan. Whether you're new to planning or already have your plan, the 'Guide Me' mode allows mistake-free planning for your financial independence. Core Analysis Tools: Stress test your retirement plan with sophisticated Monte Carlo modeling—the same techniques used by financial advisors managing millions. Created specifically for FIRE (Financial Independence, Retire Early), Bogleheads, investors, and pre-retirees aged 40-65. - Monte Carlo Model powered by 100+ years of economic data - Free version: 50 simultaneous simulations - Success probability analysis with confidence intervals - Inflation-adjusted projections to age 95 - Interactive charts showing portfolio growth trajectories - 4% rule validation with multiple withdrawal strategies - NEW: Guide Me interview mode  - NEW: What-If Adjustments with suggested changes to improve your plan Premium Upgrade Features ($4.99 One-Time): - 10,000 simultaneous Monte Carlo simulations for maximum accuracy - Social Security claiming optimization with spousal benefit coordination - Advanced Withdrawal Methods: Dynamic, Bucket Strategy, Bond Ladder, Total Return - Dedicated Pre-Tax & Post-Tax Savings Balances
- Required Minimum Distribution (RMD) Mapping
- Variable Expense Options Allow Changes at Varying Ages - Recurring Income Incorporates Pension, Annuity, Trust, & Rental Income - Windfall Imports for Home Sale, Windfall, Insurance Payout, Sale of Business, & Inheritance - Configurable Time Horizon to Adapt Your Plan for Longer/Shorter Windows - Configurable PDF Reports - Executive, Detailed, Advisor, or Charts-Only formats - Professional exports in PDF, PNG, HTML, and CSV formats - Unlimited scenario comparison and saving What Makes This Different: Most retirement calculators rely on oversimplified assumptions, like a single rate of return, inflation, or expenses. This app applies industry-proven Monte Carlo modeling to stress-test your plan against 100 years of U.S. market & economic history, including market crashes, inflation spikes, and sequence-of-returns risk. One-Time Purchase Philosophy: No subscriptions. No registration. Buy once, own forever. Professional-grade tools without fees or data harvesting. Perfect for DIY investors, pre-retirees working with financial advisors, and anyone serious about retirement readiness. From the Developer: "Financial independence shouldn't require choosing between expensive subscriptions or surrendering your data privacy. Whether pursuing FIRE, early retirement, or traditional planning, Retirement Success Graph app delivers Wall Street-level Monte Carlo analysis to everyone." -- Kevin Donahue Understanding Monte Carlo Simulation: Monte Carlo models use statistics and mathematics to predict unknown future events. Unlike simple calculators that assume constant returns, Monte Carlo scenarios incorporate uncertainty and randomness. Example: The distance between buildings is constant, but travel time varies with traffic, weather, and delays. A Monte Carlo model simulating 1,000 trips determines median travel time and probability ranges. For retirement planning, Monte Carlo models use decades of economic variables. This app performs up to 10,000 model runs, continuously changing investment returns, inflation rates, expense variations, & volatility to determine your success probability—providing statistical accuracy previously available only through paid advisors.

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- Tax Bracket Support (Free Version) - (PREMIUM) Expanded savings models to support pre-tax (IRA, 401k), post-tax (Roth IRA, Roth 401k), and non-tax advantaged - (PREMIUM) Added Required Minimum Distribution (RMD) modeling - (PREMIUM) Social Security Spouse Benefit claiming options - (PREMIUM) Expanded Scenarios support - (PREMIUM) Expanded Exports support

Version 2.5

The developer, Kevin Donahue, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Collected

    The developer does not collect any data from this app.

    Privacy practices may vary based, for example, on the features you use or your age. Learn More

    Accessibility

    The developer has not yet indicated which accessibility features this app supports. Learn More

    Information

    Provider
    • Chez Mer Studios, LLC
    Size
    • 2.8 MB
    Category
    • Finance
    Compatibility
    Requires iOS 18.6 or later.
    • iPhone
      Requires iOS 18.6 or later.
    • Mac
      Requires macOS 15.6 or later and a Mac with Apple M1 chip or later.
    Languages
    • English
    Age Rating
    16+
    In-App Purchases
    Yes
    Copyright
    • © Retirement Success App - 2025
  • Developer Website
  • Privacy Policy

    • Supports

    • Family Sharing

      Some in-app purchases and subscriptions may be shareable with your family group when Family Sharing is enabled. Learn More

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