Plan decades
in seconds.
Stress test your retirement plan against 100+ years of economic data — privately, on your device, with no subscription required.
Professional tools.
Consumer pricing.
The same statistical methodology trusted by financial advisors is now free, or upgrade your retirement testing for $4.99.
Monte Carlo Simulation
50 simultaneous scenarios stress-test your plan against market volatility, inflation, and sequence-of-returns risk.
FreeFIRE Rule of 25 Validator
Validate your FIRE number and 4% withdrawal rate against real probability outcomes — not optimistic projections.
FreeGuided Interview Mode
Answer simple questions and we build your first retirement plan — no financial expertise required.
Free10,000 Scenario Engine
Premium unlocks 200× more simulation power — the difference between roughly knowing and knowing with confidence.
PremiumSocial Security Optimizer
Model claiming ages, spousal strategies, and the lifetime income impact of each decision. Worth thousands over retirement.
PremiumFull Account Type Support
Traditional IRA, Roth IRA, 401(k), Roth 401(k), post-tax accounts — with complete RMD modeling across your portfolio.
PremiumWithdrawal Strategies
Test Dynamic, Bucket Strategy, Bond Ladder, and Total Return methods to find your optimal withdrawal approach.
PremiumVariable Expense Modeling
Factor travel budgets, healthcare escalation, downsizing, and one-time windfall events at any point in your plan.
PremiumExport & Share Reports
PDF, PNG, HTML, and CSV export. Save multiple scenarios and share reports directly with your financial advisor.
Premiumdevice
Why Monte Carlo beats a spreadsheet
Linear projections assume the market grows at a constant rate — which it never does. Monte Carlo simulation runs thousands of randomized scenarios, each with different return sequences, inflation spikes, and recession years.
The result isn’t a single hopeful number. It’s a probability distribution — best case, worst case, and everything in between. That’s how you make decisions you can actually trust. Learn more about Monte Carlo simulations.
No subscription. Ever.
Start free. Upgrade once. Own it forever.
- ✓50 Monte Carlo simulations
- ✓Guided Interview mode
- ✓4% Rule / Rule of 25 analysis
- ✓Inflation-adjusted projections to age 95
- ✓Interactive portfolio charts
- ✓What-if scenario analysis
- ✓Everything in Free
- ✓10,000 scenario Monte Carlo engine
- ✓Social Security optimization & spousal strategies
- ✓Dynamic, Bucket, Bond Ladder & Total Return methods
- ✓IRA, Roth, 401(k), RMD modeling
- ✓Variable expenses & one-time events
- ✓Recurring income: pensions, annuities, trusts
- ✓PDF, PNG, HTML, CSV export
Apple App Store purchase · No auto-renewal · No hidden fees · iOS 17.6+
What FIRE planners are saying
Finally an app for everyone chasing early retirement. The Monte Carlo output helped me understand my real risk exposure — not just a best-case projection. Thank you!
Love this app! Does exactly what I need without trying to sell me anything. The privacy aspect alone sold me — I don’t want my financial data floating in someone’s cloud.
I’ve tried Boldin and ProjectionLab. This does everything I actually need, on my phone, with no monthly fee. The Social Security optimizer alone is worth the $4.99.
“Financial independence shouldn’t require you to choose between expensive subscriptions or surrendering your data privacy.”
I retired at 52 after 25 years in luxury hospitality. When I started planning my exit, I couldn’t find a tool that was statistically serious without harvesting my financial data or charging monthly fees. So I built one.
Retirement Success Graph exists because FIRE planning deserves professional-grade Monte Carlo modeling at a price that doesn’t undermine the very principle of financial independence.
Your data stays on your phone
Every calculation happens locally. Your financial data never touches our servers — because we don’t have any.
No email. No account. No profile. Download, open, and start planning — completely anonymously.
Zero ads on both free and premium tiers. We make money once, when you choose to upgrade. That’s it.
Your scenarios are saved to your device only. No sync, no cloud exposure, no breach risk.
Why I stopped using Boldin
and built this instead
Boldin is a capable platform. But for privacy-focused, DIY retirement planners, there are five reasons it fell short — and why Retirement Success Graph exists.
5 reasons the switch made sense
The subscription never made sense
At $144/year, Boldin costs over $4,300 across a 30-year retirement — for calculations any computer can run. Retirement Success Graph is $4.99. Once. Forever.
1,000 simulations isn’t enough
Boldin runs 1,000 Monte Carlo iterations — the bare industry minimum. RSG runs 10,000, delivering tighter confidence intervals precisely where retirees need them most: the extremes.
Your data belongs on your device
Boldin links accounts via Plaid and stores data on their servers. Even well-resourced institutions get breached. RSG performs every calculation on your iPhone — nothing ever leaves your device.
Complexity obscures clarity
250+ inputs create noise, not signal. RSG focuses on what actually drives outcomes — savings, withdrawal rate, time horizon, allocation — with Expert Mode for those who want deeper control.
Mobile-first, not mobile-adapted
Boldin is a web platform ported to mobile. RSG is a native iOS app built from the ground up for iPhone — haptic feedback, instant results, Apple design patterns throughout.
Boldin offers features RSG doesn’t — account aggregation, estate planning, CFP access, and extensive educational content. If those matter to you, it’s a legitimate choice. This comparison reflects our focus on privacy, statistical rigor, and one-time pricing for DIY FIRE planners. Read the full comparison →
How solid is your retirement plan?
Find out in 60 seconds. Free to start. No registration required.
Download Free on the App StoreFree forever · Premium $4.99 one-time · iOS 17.6+
