Retirement Gap: Planner
Savings Calculator & Tracker
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Plan retirement around variable income. Calculate your saving pace and track contributions free. No bank connection. Optional Pro tools, one purchase.
How much should you save for retirement when your income changes?
Retirement Gap is a retirement calculator and contribution tracker for freelancers, contractors, and anyone with variable income. Estimate your monthly saving target, turn it into an annual plan, and track what you actually contribute.
FIND YOUR SAVING TARGET
Enter your spending, retirement age, current savings, and other retirement income. See the monthly saving pace your assumptions require, in today’s dollars. Adjust the assumptions to explore a different path.
ADAPT TO STRONG AND LEAN MONTHS
Record a contribution on the day you save. Each entry reduces the amount left for the year. When you finish a month, the remaining target is spread across future months—including when you saved nothing that month.
FREE
• One complete retirement scenario
• Required monthly saving in today’s dollars
• Editable retirement age, contribution, real-return, and withdrawal assumptions
• Daily contribution check-ins and current-year activity map
• Explicit month completion for recalculating the remaining pace
• Year-to-date progress and remaining monthly pace
• Optional private reminder
• Home Screen widget
RETIREMENT GAP PRO
• Unlimited scenarios with side-by-side comparison
• Focused editor for each possible path
• Complete editable contribution history
• Concise PDF retirement brief
• Spreadsheet-ready contribution CSV
• Portable local backup and validated restore
• Purchase restore with your Apple Account
PRIVATE BY DESIGN
No sign-in. No bank or brokerage connection. Financial inputs stay in the app’s local container. Anonymous analytics, when enabled, sends only predefined parameter-free feature event names—never ages, balances, income, contributions, goals, labels, or free text—and can be turned off in More. No advertising or cross-app tracking.
ASSUMPTIONS YOU CAN SEE
Results are educational scenarios, not predictions, guarantees, tax calculations, investment recommendations, or a financial plan. Retirement Gap does not recommend securities, accounts, contribution limits, or tax strategies.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Cancelling a switch to dated contributions now keeps your saved monthly total. Plan-editing errors appear immediately, and you can retry the App Store connection when the Pro price is unavailable.
The developer, Dmytro Polianskyi, 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:
- Identifiers
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Dmytro Polianskyi
- Size
- 5.3 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Retirement Gap Pro $9.99
- Copyright
- © 2026 Dmytro Polianskyi