RetireFlow

Retirement Planning Perfected

Free · Designed for iPad. Not verified for macOS.

Ditch the spreadsheets and the static calculators. RetireFlow brings industrial-strength financial modeling to your pocket. Built by an experienced quantitative analyst, RetireFlow doesn't just give you a "number"—it helps you formulate a retirement strategy and truly stress-test it. WHY RETIREFLOW? Most calculators use "straight-line" math that ignores reality. RetireFlow uses 1,000-run Monte Carlo simulations to model real-world market volatility, inflation, and tax drag. RetireFlow is designed to help guide your financial future from age 20 to the end of your retirement journey. KEY FEATURES: Monte Carlo Simulation: Project a highly realistic view of your retirement success using 1,000 different paths for inflation and asset returns. Can your plan support your spending target? RetireFlow will give you the probability of success. The Backsolver: Our signature tool. Instead of asking "Is this enough?", tell the app your desired confidence level and let it calculate exactly how much you can safely spend, or exactly how much more you need to save. You can even solve for a specific ending estate value to plan your legacy! Real-Dollar Logic: No "inflated" numbers. See your future wealth in today’s purchasing power for total financial clarity. Privacy-First: RetireFlow operates on a "Zero-Knowledge" architecture. We don't want your data. RetireFlow requires no accounts, no cloud syncing, and no data harvesting by us. All of your financial modeling is processed locally on your device. Tax-Smart Modeling: Built-in logic for US and Canadian tax brackets (including the Ontario Surtax), ensuring you see your true "after-tax" reality. Handles complex cross-border scenarios—perfect for those who work in one country and retire to another. Probability Cones: Visualize your future Net Worth with p25-p75 projections and "Worst Case" safeguards. Private AI Observations: Bring your own API key to generate tailored observations and have an in-app conversation about your plan. Data usage is strictly governed by your agreement with your chosen AI provider. We do not intercept or see this information. Highly Adaptable: Easily model and compare different life scenarios by adding multiple spending periods, secondary income sources (rental income, part-time jobs), one-off life events, and shifting investment allocations. TRY IT FOR FREE Run standard, deterministic retirement scenarios completely for free. Unlock the advanced Monte Carlo engine and Backsolver with a RetireFlow Pro subscription. A RandFact Works Inc. Production. Retirement isn't about scarcity; it's about the permission to spend. Solve your plan today. Terms of Use (Apple’s Standard License Agreement): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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The app is now completely free! Al features are unlocked for all users. New features added: - Historical Regime Simulation: We have introduced a new offline simulation engine. Users can now stress-test their portfolios deterministically against over 100 years of historical macroeconomic sequences. - Spending Guardrails: We have implemented dynamic withdrawal rules, allowing users to simulate adjustable lifestyle spending during market downturns to protect their core assets.

Version 1.0.2

The developer, RandFact Works Inc., 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 Linked to You

    The following data may be collected but it is not linked to your identity:

    • Purchases

Privacy practices may vary, for example, based 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

Seller
  • RandFact Works Inc.
Size
  • 54.8 MB
Category
  • Finance
Compatibility
Requires iOS 17.6 or later.
  • iPhone
    Requires iOS 17.6 or later.
  • iPad
    Requires iPadOS 17.6 or later.
  • Mac
    Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.3 or later.
Languages
  • English
Age Rating
16+
Copyright
  • © 2026 RandFact Works Inc.
  • Privacy Policy