Retirement Planner — Scenarios

Retirement Planner — Scenarios — What will I actually have at 65? Compare the scenarios side by side.

A single retirement figure hides what changes if you retire two years later, or if inflation runs at four percent instead of two. This retirement investment calculator keeps named scenarios with their assumptions side by side. It does not represent the IRS, the Social Security Administration or any government agency.

These are PROJECTIONS, not financial advice and not a promise. Return, inflation, tax, plan fees and contribution caps are values YOU enter; real markets do not move at a fixed rate.

WHAT IT DOES
• Enter your age, your savings so far and what you add each month
• Investment return and inflation set separately; the result is shown in today's money
• Note where and when you read each rate; that source is printed on every report
• Tax-deferred (IRA, 401(k)) and tax-free (Roth) parts, taxed separately
• Post-retirement income: Social Security or a state pension and a workplace pension, each from its own age
• US required minimum distributions (IRS Uniform Lifetime Table) and the early-withdrawal penalty
• A live countdown to your retirement date and a bucket list with costs and target ages
• Save named scenarios (“Retire at 65”), pick your own currency and export the comparison as a PDF

WHO IT IS FOR
People planning their own retirement who want to test assumptions, not be sold a product.

WHAT IT DOES NOT DO
• No account and no sign-up. The developer collects no personal data and runs no server; Google's ad SDK collects IP, interactions, diagnostics and device IDs.
• Ads pay for the free tier; no interstitial on launch. Paid members see no ads and no ad request is sent.

PRIVACY
Permissions requested: network state, internet, notifications, letting the ads library tell Wi-Fi from mobile data, restarting tasks after a reboot, vibration, keeping the phone awake while a task runs, buying a paid membership through Google Play and ads in the free tier.

LIMITS — honestly
• The only built-in table is the IRS Uniform Lifetime Table (Publication 590-B, 2025), cited wherever it is used.
• Nothing is backed up to a cloud. Export a backup from Settings before switching phones.

Official source of the IRS table named above: Publication 590-B https://www.irs.gov/publications/p590b

Retirement Planner — Scenarios is an independent app, not affiliated with or endorsed by any institution, brand or company it mentions.

Recent changes:
• Your membership is now checked with Google Play every time you open the app, so ad-free use starts or ends without opening Settings.
• Membership plans that are not on sale in Google Play are no longer offered.