--- title: "Bruce's Retirement Planner - Reviews, Revenue and Downloads in United States | Apple App Store" description: "When can I retire? How much can I spend? Your retirement will only happen once: one market, one lifespan, and nobody knows which. Bruce's Retirement Planner runs thousands of possible versions of it " --- # Bruce's Retirement Planner — United States > Monte Carlo Money Simulator ![Bruce's Retirement Planner App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/87/a1/72/87a17225-4603-84e7-87ea-55808346f956/AppIcon-0-0-1x_U007epad-0-0-0-1-0-85-220.png/400x400bb.png) **Developer:** [Hailcat](https://apptail.io/developer/hailcat-ornKwc) **Category:** Finance **Rating:** 4.9/5 (24 ratings) **Price:** Free **Bundle ID:** app.hailcat.planner **Store:** Apple App Store **Country:** United States **Version:** 1.82 (released 2026-10-17) **Original Release:** 2026-07-20 **App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id6789368363) **AppTail Page:** [https://apptail.io/app/bruces-retirement-planner-OcYA/united-states](https://apptail.io/app/bruces-retirement-planner-OcYA/united-states) ## Bruce's Retirement Planner Description When can I retire? How much can I spend? Your retirement will only happen once: one market, one lifespan, and nobody knows which. Bruce's Retirement Planner runs thousands of possible versions of it and shows you where your plan holds up and where it breaks. Every run is priced through the US tax code, federal and state, and the answer comes back as odds: your chance of staying solvent, to your target age and for as long as you live. Built by an actuary, on the models banks use for markets and insurers use for lifespans. FREE FOR EARLY ADOPTERS Bruce's Retirement Planner is new, and the full app is free while we earn our first reviews. Advanced features may move to a subscription later, but early users get everything now. If you find a bug or want a feature, write to us from the Support screen in Settings, and you will hear back from the person who wrote the code. PLAN YOUR WHOLE FINANCIAL LIFE • Income, expenses, your home and mortgage, 401(k), Roth, and HSA accounts, pensions, stocks, other real estate and debt, cash • Couples in full: two lifespans, survivor benefits, spousal rollovers, and the tax change when filing status switches • Healthcare in three phases: employer coverage, the pre-Medicare gap with ACA subsidies, then Medicare including IRMAA surcharges • Social Security with claim age math from 62 to 70, cost of living increases, survivor rules, and the taxation of benefits • Life events: windfalls, college, a new child, buying or selling a home, paying off the mortgage early, de-risking your portfolio, moving states in retirement • Pension handling: defined benefit pensions with cost of living increases, survivor elections, and each state's pension tax rules, plus annuity quotes priced against mortality tables SIMULATE THOUSANDS OF FUTURES • A multi asset market model (US and international stocks, bonds, REITs, cash), not a single straight line return • The 2026 US tax code: federal plus all 50 states and DC, capital gains, NIIT, RMDs, payroll taxes, the new senior deduction • Roth conversion strategies, 401(k) contributions and employer match, and SEPP 72(t) withdrawals • Dynamic spending guardrails: cut spending in downturns, and see how often cuts happen and what they add up to • Life expectancy fitted to you: answer 10 quick questions about health and lifestyle and your plan runs on a longevity model built from your answers UNDERSTAND WHAT MATTERS • One clear answer: the chance your plan survives • Every year, line by line: open any year to see income, spending, taxes, required withdrawals, Roth conversions, and the balance in every account, in today's dollars or that year's • Sensitivity analysis ranks what you can't control (returns, inflation, how long you live, work ending early, a long-term care stay) by how far your outcome swings with each • Improve Your Plan finds what you could change to improve your odds (spending, claim age, withdrawal order, de-risking) and applies your pick to a copy of the plan • Insight cards flag moves worth a look, from Roth conversion headroom to Medicare surcharges and your first RMD • In This Year, see the calendar year's ledger and the moves worth making • Compare scenarios side by side, lock one in as your plan, and track your net worth against it in the Journal PRIVATE BY DESIGN Your financial data stays on your device, with automatic backup to your own private iCloud. There is no account to create, no sign up, and no ads, and nothing that identifies you or your finances ever leaves your phone. To make the app better we count which features get used, anonymously and never your numbers, and you can switch that off in Settings. An optional Face ID lock keeps your plans private even if someone borrows your phone. Bruce's Retirement Planner is a planning tool, not financial advice. Projections are estimates based on the assumptions you enter, not predictions or guarantees. For decisions about your money, consult a qualified professional. ## Bruce's Retirement Planner Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/84/a0/cc/84a0cc46-5823-a89f-bc93-fc8cd94af394/appstore_iphone_01.png/320x480bb.jpg) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/78/6b/1c/786b1c12-ba6e-a358-d1bd-9746cff287b4/appstore_iphone_02.png/320x480bb.jpg) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/c4/a5/cb/c4a5cbeb-851f-d0cd-4918-70090f6d52ed/appstore_iphone_03.png/320x480bb.jpg) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/c9/9b/55/c99b559a-d049-58c8-3811-f6eb02f109b7/appstore_iphone_04.png/320x480bb.jpg) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/3a/82/6c/3a826c9b-1879-b52b-1f92-d62382af10db/appstore_iphone_05.png/320x480bb.jpg) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/12/f8/a8/12f8a87f-7623-f724-1fc1-2db0018ab935/appstore_iphone_06.png/320x480bb.jpg) - [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/07/f6/77/07f677cb-bcc9-4a72-2c94-a7d639098ac0/appstore_iphone_07.png/320x480bb.jpg) - [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/42/96/6e/42966ee7-1f97-1d92-ae80-563099b6683b/appstore_iphone_08.png/320x480bb.jpg) - [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/7d/80/2f/7d802fd5-8e57-cbc7-e869-7da94629ffbf/appstore_iphone_09.png/320x480bb.jpg) ## Bruce's Retirement Planner Rating Breakdown in United States - 5 stars: 20 (91%) - 4 stars: 2 (9%) - 3 stars: 0 (0%) - 2 stars: 0 (0%) - 1 stars: 0 (0%) ## Bruce's Retirement Planner Reviews in United States ### ***** "Winner winner" Originally explored a competing product called Retirement Success Graph which is a bug-riddled, money-scamming mess. THIS ONE however is the REAL DEAL. I hope the dev keeps it rolling and keeps promises to early adopters. I chose it primarily for its apparent commitment to user data privacy, no 3rd party data shares and a stated commitment to not sell, share or rent user inputs. That said, this app is a truly solid start on retirement planning. Chock full of features (that actually work!) and flexibility in functioning. Can add extra income streams, customize anticipated market conditions, and fine tune Monte Carlos. And A lot more. A DEF “GET IT NOW” app and an invaluable intellectual and number-crunching investment in the future. Free at the moment (and supposedly guaranteed for early users!) but well worth a small price tag as-is and if developed more. -- Generic Male 2, 2026-09-13 ### ***** "95%" This app fills a gap left by many calculators. Demonstrates the impact of many planning decisions in clear way. You can learn strategies available to you by playing around and comparing scenarios. Don’t know whether to covert to Roth or when to start, just run a comparison. Want to know if moving to smaller home can help, run a comparison. It includes models of things that are enormously difficult to estimate like home insurance costs, property taxes, medical bills, Medicare income penalties. New features are being added very rapidly without sacrificing app stability. This is clearly well developed software. It would be even better with: 1. 401k multiple matching levels. 2 HSA, spending strategies: pay medical expense first, or use medical receipt banking to create a tax advantaged emergency fund. 3 Finer granularity on how excess money gets invested. Do I up my my 401k? Roth or pre tax? And so on. Can I save cash until HSA + cash = minimum emergency value, or just cash, and then do Roth conversions? 4. A little more clarity on fenceposts. Does retire at 60 mean I work till my 61st birthday or I work till my 60th birthday? If I have an expense that occurs when I retire, should I say it occurs when I am 60 or 61. This matters a lot. What you do the year you retire has outsized impact on everything downstream from healthcare costs taxes, sequence of return risks, and total retirement expenditure. As is, it is easy to have where numbers in cash flow during this transition year. Also, some events or spending boundaries move with retirement age and some are fixed. Some you can set the behavior. Some you can’t. This makes the impact of changing retirement age difficult to interpret. -- fussy comic fan, 2026-09-09 ### ***** "Very helpful!" Very useful for scenario planning and understanding how different changes can impact what finances look like later on. -- M25437, 2026-07-27 ### ***** "Awesome app - recommend!" Just tried this new app, it’s a surprisingly realistic projection of my finances. Will be recommending to my friends. -- FP&A hailcat, 2026-07-27 [View all Bruce's Retirement Planner reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews) ## Bruce's Retirement Planner Discovered Keywords - bitcoin retirement calculator - early retirement calculator - early retirement planner - retirement saving calculator - retirement advisor - retirement forum - fire plan - seraph retirement planner --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. 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