TwoRetire
Retirement Planning for Two
Free
New: 18-state income tax estimates, Roth conversion ladder, SEPP/72(t) and pre-Medicare coverage gap. One shared plan for couples, with privacy you control.
Retirement isn't a solo project — so why plan it alone?
TwoRetire is a retirement planning app built for couples. Instead of two separate spreadsheets or two different apps, you and your spouse see one shared plan — with each of you controlling exactly how much of your own accounts the other can see.
WHAT YOU CAN DO
• Track every retirement account — 401(k), Traditional/Roth IRA, taxable brokerage, HSA, and more — with your choice of full detail, totals only, or fully private per account.
• Model your retirement timeline — drag a slider to see how retiring at 60 vs. 65 changes your household's net worth curve, decades into the future.
• Compare withdrawal strategies — see the difference between a traditional withdrawal order and a strategy that fills your tax bracket, side by side.
• Coordinate Social Security — a 3×3 claiming-age matrix for you and your spouse, break-even analysis, and survivor benefit planning.
• Get an honest signal — a simple green/yellow/red indicator based on your actual projected shortfall, not a vague "you're on track" message.
• Save and compare scenarios — "What if I retire at 62 instead of 65?" Save it, compare it against your baseline, and decide together.
• Log the decisions that matter — freeze a scenario's assumptions when you make a real decision, so you can look back later and remember why.
BUILT FOR TWO, PRIVATELY
When you invite your spouse, you choose per account whether they see full details, just the total balance, or nothing at all. Nothing is shared until you explicitly turn it on — and visibility only ever gets more open, never less, so you always know exactly what's been seen.
Your data lives in your own iCloud account. TwoRetire has no servers of its own — nothing is collected, nothing is sold, nothing is shared with third parties. Even shared data between spouses syncs directly through Apple's infrastructure, never through us.
HONEST ABOUT WHAT IT DOES (AND DOESN'T DO)
TwoRetire uses a straightforward, deterministic projection based on the assumptions you set — not Monte Carlo simulation, not a black box. Every number is explained in plain language, and a built-in FAQ walks through exactly what's calculated, what isn't (like state taxes), and why.
This app is an educational planning tool to help you and your spouse have better conversations about retirement. It is not investment, tax, or legal advice — please consult a qualified professional for your actual decisions.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
- New state income tax estimates for 18 states (9 no-tax states plus California, New York, Pennsylvania and 6 more), reflected in your curve and annual withdrawal table
- New SEPP/72(t) calculator for tapping retirement accounts before 59½
- New pre-Medicare health coverage gap estimate (after ACA subsidies)
- New Roth Conversion Ladder withdrawal strategy, comparable side by side with Conventional Order and Bracket Fill
- New Qualified Charitable Distribution (QCD) savings estimate and 401(k) catch-up limit alerts
- Estimates are simplified from current IRS and state rules, not tax or investment advice
The developer, YAOTSAN TSAI, 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.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- YAOTSAN TSAI
- Size
- 3.8 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 17.0 or later.
- iPhone
- Languages
- English and Traditional Chinese
- Age Rating
4+
- 4+
- Copyright
- © 2026 Anderson Tsai