Retirement Planner — Scenarios

What will I actually have at 65? Compare the scenarios side by side.

com.ibrahimtxy.emeklilik · Finance

A single retirement figure hides the question that matters: 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, so you can compare them. 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. Talk to a licensed adviser before acting on a number here.

Get it on Google Play

What it does

Enter your age, your savings so far and what you add each month
Set the investment return rate and the inflation rate 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
Plan check: enter your monthly spending and the age your money must last to, and see the savings you need, the monthly saving that reaches them, the shortfall and the earliest age you could retire
The age your savings last to, on a lifetime chart from today through retirement; tap the curve to read any year
A separate return for the retirement years, spending that steps down once you retire, one-off sums such as an inheritance, and a market fall at an age you choose
Every retirement year: withdrawal, Social Security and pensions against your spending, and a pie chart of any year
“Save a little more”: what an extra amount each month adds by retirement and to your monthly income
Tools in the order you choose: Social Security claiming ages compared from the amounts on your statement, Traditional vs Roth, college savings and asset allocation
Chance of success: type how much your yearly return can swing and the plan runs 500 times, showing how often the money lasts to your plan age and bad, typical and good-case balances; the same inputs give the same answer on every phone
Couple or household plan: pick a saved scenario for each person and see both lined up by calendar year, with savings, income and spending together, the year both are retired and the first year either plan falls short
Financial statements for every year: the cash flow of your savings, an income statement for each retirement year and a balance sheet with the tax still due on tax-deferred money, in today's money or the money of that year, and as a CSV
Goal progress: update your balance from your statements and see how far you are toward the savings the plan needs, today and projected at retirement, with a history of your updates
What your numbers say: the age your savings last to, the gap, the monthly saving that closes it, what a fee costs and where your employer match stops — calculations, not advice
What-if sliders for retirement age, monthly saving and return; your plan changes only when you tap Apply
An optional five-step guided setup; the quick form stays as it is
Tap the info button beside a rate to see what it means; short Learn pages explain the terms
Share a text summary by email or message, or save a one-scenario PDF plan or a year-by-year CSV
Lock the app with your phone's own screen lock
A live countdown to your retirement date, to the second
A retirement bucket list with costs and target ages
Save named scenarios (“Retire at 65”) and see the difference, not a single figure
Pick your own currency; nothing assumes dollars
Export the comparison as a PDF for your own file or your adviser

How you set it up

You add your first record — for example “Retire at 65 · 6% return · 3% inflation” — and the app does the arithmetic: running totals, the period summary and the report you can hand over. Nothing is fetched from the internet, so it works with no signal.

Who it is for

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

What it does not do

It gives no professional advice and makes no decision for you — it shows you your own numbers.
It asks for no account. No sign-up, no password.
The developer collects no personal data and adds no analytics or crash reporting. In the free version the Google Mobile Ads SDK collects IP address, app interactions, diagnostics and device IDs (see Data safety).
The free tier shows Google AdMob ads: a bottom banner, rewarded ads you start yourself and an “Ad”-labelled card inside the list; no full-screen ads between pages or on launch. Paid members see no ads and no ad request is made.

Version history

0.13.0 (2026-10-28)

Simpler ads: no full-screen ads between pages or when the app opens; only the bottom banner, the “Ad”-labelled card and rewarded ads you start yourself remain.
If a rewarded ad can't load, the reward is given without an ad once every 7 days; after that the screen says so plainly.

0.12.0 (2026-10-26)

New Tools: Chance of success runs your plan 500 times with the yearly swing you enter; a couple/household plan lines up two scenarios by calendar year; financial statements for every year (cash flow, income statement, balance sheet, CSV); goal progress from the balances you update.
Also new: what-if sliders, a step-by-step setup and a card with what your numbers say (calculations, not advice).

0.11.0 (2026-10-20)

New plan check: enter your monthly spending and the age your money must last to, and see the savings you need, the monthly saving that gets you there, the shortfall and the earliest age you could retire. A lifetime chart shows the age your savings last to.
Also new: one-off sums, a separate retirement return, a market-fall test, Tools (Social Security ages, Traditional vs Roth, college, allocation), Learn pages, sharing, a free PDF plan and CSV, and App lock.

0.10.0 (2026-10-15)

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.

0.9.0 (2026-10-09)

Tap a locked feature's note for an optional rewarded ad that unlocks it; skip it and the lock stays.
The in-app privacy policy now matches the published version.

0.8.0 (2026-10-03)

Fields with long labels (expected return, employer match, withdrawal tax and others) now sit one per row at full width: an empty field no longer wraps its label onto two lines.

0.7.0 (2026-10-02)

Tax-deferred (IRA, 401(k)) and tax-free (Roth) parts: tax is taken only from the deferred part.
Social Security and a workplace pension join your monthly income, each from its own starting age.
US required minimum distributions (IRS Uniform Lifetime Table, source shown) and the early-withdrawal penalty.
New Goals tab: a live countdown to your retirement date and a retirement bucket list with costs.
Compare: each scenario's rate source no longer runs into its label.

0.6.0 (2026-09-27)

Results of your actions (saved, added, limit reached) now always appear above the ad strip.
The plan review card now says when it was never marked, and marking it confirms.
A late-loading ad card no longer shifts the screen (no accidental taps).
Updated the ads library.

0.5.0 (2026-09-24)

Fixed a crash that could happen when the ad component ran short of memory: no new full-screen ad is loaded while memory is low.
Changing the language no longer sends you back to the first tab.
With a paid membership, the ad-consent check and ads SDK no longer start at launch.

0.4.0 (2026-09-19)

Rebuilt on the latest Android version and libraries, including a newer version of a component Google Play flagged as outdated.
Stability improvements.

Permissions

Permission	Why
`ACCESS_NETWORK_STATE`	So the ad library can see the connection state. Your entries do not use the network.
`INTERNET`	For ads ONLY. Your entries never leave the device and the app has no server of its own.
`POST_NOTIFICATIONS`	To remind you about the dates and reminders you set yourself.
`READ_BASIC_PHONE_STATE`	So the ads library can tell Wi-Fi from mobile data. It grants no access to your phone number, IMEI or call log; the app does not declare it, the ads library adds it.
`RECEIVE_BOOT_COMPLETED`	So your reminders keep working after the phone restarts.
`VIBRATE`	To vibrate when a notification arrives.
`WAKE_LOCK`	So the phone does not fall asleep in the middle of a check. The app does not ask for this itself; the background work library (Android Jetpack WorkManager) adds it.
`BILLING`	So you can buy a paid membership through Google Play. The app does not declare this permission itself; the Google Play Billing library adds it. Your payment details (card, address, invoice) never reach the app and are never seen or stored by it — Google Play takes the payment. All the app learns is whether your membership is active.
`AD_ID`	Ads in the free tier are served by Google AdMob, which may read the device advertising ID (AAID). The app does not declare this permission itself; the ads library adds it. Paid members make no ad request at all. You can reset or delete the ID in Settings › Google › Ads.

Source

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

Retirement Planner — Scenarios is an independent app. It is not affiliated with, endorsed by, or connected to any institution, authority, brand or company mentioned in it.