Best Retirement Planner Apps for iOS - September 2025
These apps are the top choices for retirement planning on iOS, offering features like income projections, savings tracking, and personalized advice to help users achieve financial security.
Our Top Pick
The best retirement planner app for iOS
Why It's #1
- Account aggregation
- Fee analyzer
- Retirement planner
Screenshots
About Empower Personal Dashboard™
You’ve never seen your money like this before. Reach your goals and take control of your financial life with Empower’s free app. Have all your financial accounts in one place, see your true net worth, plan for retirement, track your portfolio, and more. At Empower we’re more than a financial tool. We’re professional-grade tech built to make a personalized experience that fits your needs. MANAGE ALL YOUR ACCOUNTS IN ONE PLACE Empower Personal Dashboard™ gives you a complete picture of your finances by bringing everything together– including bank accounts, 401k, IRA, investments, stocks, debt, and more. TRACK YOUR NET WORTH Use the net worth tracker to get an accurate view of your net worth—what you have minus what you owe. Understanding this number can help you make smarter decisions about how to manage your money. PLAN FOR RETIREMENT See if you’re on track to retire by your target date with the retirement planner and use the retirement calculator to enter hypothetical scenarios–you may even use one of them to turn into your new plan. BUDGET YOUR EXPENSES Organize your spending and savings automatically by date, category, or merchant to see if you are tracking over or under your plan. SEE WHERE YOUR INVESTMENTS STAND Stay on top of your investments by comparing your current portfolio allocation to an ideal target allocation that’s designed to minimize risk and maximize returns. WE WORK HARD TO KEEP YOUR INFORMATION SAFE You can rest assured it’s our security team’s primary job to safeguard your financial data. We use multiple layers of security, in every component of our systems, to protect your accounts, your money, and keep your information private. Ready to take control of your finances — and your future? All visuals are illustrative only. Featured individuals are paid spokespeople and not clients of Personal Capital Advisors Corporation or Empower Advisory Group, LLC and do not make any endorsements or recommendations about securities offerings or investment strategy. * For more information about Personal Capital Advisors Corporation or Empower Advisory Group, LLC advisory services, including fees and full disclosures, visit https://www.empower.com/personal-investors/wealth-management. © 2023 Empower Holdings, LLC. All rights reserved. “EMPOWER” and all associated logos, and product names are trademarks of Empower Annuity Insurance Company of America.
Overview
These apps are the top choices for retirement planning on iOS, offering features like income projections, savings tracking, and personalized advice to help users achieve financial security.
Ideal for individuals at any stage of life, from early savers to near-retirees, these apps simplify complex financial planning and empower users to make informed decisions.
We evaluated based on accuracy, ease of use, feature set, user reviews, and value for money to ensure comprehensive and reliable recommendations.
Why Empower Personal Dashboard™ is Our #1 Pick
Key Reasons:
Comprehensive financial aggregation
High user ratings and positive feedback
Free access with robust features
Standout Features:
Net worth tracking
Investment analysis tools
Retirement planning calculators
"Users love the all-in-one dashboard for managing finances and the accurate retirement projections."
- What users love most
Our Recommendations
Best Overall
Empower Personal Dashboard™
It offers the most comprehensive features for retirement planning, including net worth tracking and investment analysis, all for free.
💚 Best Free
The Retirement Planner
Completely free with a perfect rating, it provides accurate savings assessments without any costs or ads.
💎 Best Premium
Edward Jones
While free, it offers premium-level personalized advice and security for clients, making it worth using if you have an account.
Easiest to Use
Retirement Calculator, Planner
Its step-by-step guidance and user-friendly interface make it ideal for beginners without overwhelming features.
Most Innovative
Social Security Optimizer:Boss
It uses updated tax laws and algorithms to provide cutting-edge advice on Social Security timing, a unique focus in the market.
The 11 Best retirement planner Apps
Empower Personal Dashboard™
Pros:
- Free to use
- Real-time net worth updates
- Detailed investment insights
Cons:
- Requires linking financial accounts
- Can be overwhelming for beginners
An all-in-one financial tool that excels in retirement planning with comprehensive account integration.
Edward Jones
Pros:
- Secure and trusted brand
- Easy account management
- Personalized financial advice
Cons:
- Limited to Edward Jones customers
- Less useful for non-clients
A reliable app from a trusted financial firm, perfect for users with existing Edward Jones accounts.
Retirement Calculator, Planner
Pros:
- User-friendly interface
- Step-by-step guidance
- Free of charge
Cons:
- Basic features compared to others
- Lacks advanced analytics
A straightforward app that simplifies retirement planning with easy-to-use calculators.
Retirement Income Planner
Pros:
- Risk level customization
- Income projection accuracy
- Free app
Cons:
- Interface could be more modern
- Limited to income planning only
Focuses on optimizing retirement income with risk-adjusted planning tools.
The Retirement Planner
Pros:
- Easy to use
- Accurate calculations
- Completely free
Cons:
- Very basic functionality
- No additional features beyond savings check
A simple tool to check if savings are sufficient for retirement, with a perfect rating.
Social Security Optimizer:Boss
Pros:
- Focused on Social Security
- Updated with latest tax laws
- Free to use
Cons:
- Niche functionality
- Not a comprehensive retirement planner
Specializes in helping users decide when to start Social Security benefits for optimal payouts.
Cash Flow Forecasts: CashFlow+
Pros:
- Comprehensive cash flow tracking
- Sustainable budgeting tools
- Free app
Cons:
- Retirement features are secondary
- Can be complex for some users
A budgeting app that includes retirement planning through cash flow analysis.
Income Tax Calculator: TaxMode
Pros:
- Accurate tax calculations
- Updated for new laws
- Free to use
Cons:
- Limited to tax aspects
- Not a full retirement planner
A tax planning app that aids retirement by calculating tax implications on income.
Countdown@
Pros:
- Easy to use
- Versatile for various events
- Free app
Cons:
- Not specifically designed for retirement
- Lacks financial features
A countdown timer app that can be repurposed for retirement date tracking.
Countdowns - Event Countdown
Pros:
- Flexible countdown options
- Clean design
- Free to use
Cons:
- No retirement-specific features
- Basic functionality only
Similar to Countdown@, it's a general countdown app that can be used for retirement milestones.
Projections:Retirement Planner
Pros:
- Free app
- Simple projections
- Covers basic questions
Cons:
- Lower accuracy reported
- Outdated interface
- Limited features
A basic retirement planner with lower ratings, offering fundamental projection tools.
Comparison Insights
Key Differences
Apps differ in focus: some are all-in-one solutions like Empower, while others are niche tools for specific aspects like Countdown@ for date tracking.
How to Choose
Consider app accuracy, feature set, ease of use, cost, and user reviews when choosing a retirement planner.
Common Limitations
Most apps cannot provide personalized financial advice or guarantee outcomes; they are tools for estimation and planning.
Emerging Trends
Increased use of AI for personalized recommendations, better integration with banking APIs, and more mobile-first designs are trends in retirement apps.
Key Insights
- •
Retirement apps vary from comprehensive financial dashboards to simple calculators
- •
Free apps dominate the market, offering good value without cost
- •
User ratings strongly correlate with app accuracy and ease of use
- •
Specialized apps excel in areas like Social Security or tax planning
- •
Integration with existing financial accounts enhances functionality
Buying Guide
Essential Features
- •Accurate retirement savings projections
- •Ease of use and intuitive interface
- •Free or transparent pricing
Nice to Have
- •Integration with financial accounts
- •Advanced analytics and reports
- •Customizable risk settings
⚠️ Red Flags
- •Apps with low user ratings or negative reviews
- •Hidden costs or subscription traps
- •Lack of data security measures
Pricing Expectations
Most retirement apps are free, with paid versions offering ad-free experiences or advanced features; expect to pay nothing for basic functionality.
Frequently Asked Questions
What is the most important feature in a retirement planner app?
Accuracy in projections and ease of use are crucial, as they help you trust the app for long-term planning.
How do I choose between free and paid retirement apps?
Start with free apps like Empower or The Retirement Planner; only consider paid options if you need advanced features not available for free.
What's the learning curve like for these apps?
It varies; simpler apps like Retirement Calculator have a low curve, while comprehensive ones like Empower may take more time to master.
Conclusion
The best retirement planner apps for iOS in 2025 offer a range of tools from basic calculators to full financial dashboards, with Empower leading due to its comprehensive features.
After careful comparison, the key differentiators in this category are: Apps differ in focus: some are all-in-one solutions like Empower, while others are niche tools for specific aspects like Countdown@ for date tracking.
Our Final Recommendation
Choose Empower for all-around planning, The Retirement Planner for simplicity, or specialized apps like Social Security Optimizer for specific needs.
What We're Hoping to See in the Future
Expect more AI integration and personalized insights in retirement apps, making them even more essential for financial planning.
Current Trends: Increased use of AI for personalized recommendations, better integration with banking APIs, and more mobile-first designs are trends in retirement apps.