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Best Retirement Planning Apps for iPhone (2026)
Quick answer
Empower ® is the top-ranked of the 12 tiered retirement planning apps on iPhone, at S tier with 4.8/5 from 422,905 ratings.
Tier list
Top 5
- 1
- 2
NetBenefitsS tier★ 4.5 · 30.1K ratings · Free download - 3
Military RetirementS tier★ 4.9 · 13.9K ratings · $5.99 - 4
Compound Interest CalcA tier★ 4.8 · 8.7K ratings · Free + IAP - 5
★ 4.8 · 4.5K ratings · Free download
Key takeaways
- Empower ® ranks #1 of the 12 tiered retirement planning apps, S tier with a score of 98 out of 100.
- Empower ® is free, with no in-app purchases.
- Empower ® has the most App Store ratings here: 422,905, averaging 4.8/5.
- 11 of the 12 tiered apps reach S or A tier.
What belongs in this list
Work out whether they can afford to retire and how much to save, and see how far away retirement is.
Not here: general budgeting or net worth tracking alone; a countdown timer to a date alone; a generic financial planner with no retirement projection alone; a stock or fund tracker alone; a daily routine or social event planner alone
How we pick
For this list we ask the App Store the same searches a person would, in several countries, and keep every app it returns. A model reads each app's listing and rejects the ones that only mention the use case. Every app that stays is scored out of 100 from four parts, each 0 to 100 and averaged: its App Store rating, how many people rated it, where the App Store itself ranks it for this list's searches, and how recently its current version shipped. An app showing Apple's Editors' Choice badge gets a fifth part of 100, which can only lift its score. Apps whose maker has verified ownership get a small score component, because an active maker is a sign the app is kept up to date. It never decides a tier on its own. Updated daily. Tiers follow fixed score bands: S from 90, A from 80, B from 70, C from 60, D from 50, F below. On a list of 20 or more ranked apps, a tier from S to D takes in new apps only up to a quarter of the top 40: an app pushed out of a full tier falls to the next tier with room, and F takes the rest. Read the full method →
Compare every app
| # | App | Tier | Score | Rating | Ratings | Price | Updated |
|---|---|---|---|---|---|---|---|
| 1 | Empower ®Best overall | S | 97.8 | 4.8 | 422,905 | Free download | |
| 2 | S | 91.0 | 4.5 | 30,072 | Free download | ||
| 3 | S | 90.1 | 4.9 | 13,889 | $5.99 | ||
| 4 | A | 88.7 | 4.8 | 8,718 | Free + IAP | ||
| 5 | A | 87.0 | 4.8 | 4,510 | Free download | ||
| 6 | A | 85.5 | 4.7 | 38,497 | Free download | ||
| 7 | A | 85.1 | 4.8 | 239,764 | Free download | ||
| 8 |  My RetirementMost recently updated | A | 83.0 | 4.8 | 24,393 | Free download | |
| 9 | A | 81.2 | 4.3 | 12,195 | Free download | ||
| 10 | A | 80.7 | 4.8 | 11,590 | Free download | ||
| 11 | A | 80.5 | 4.2 | 1,428 | Free + IAP | ||
| 12 | C | 61.7 | 4.8 | 4,495 | Free download |
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Questions people ask
What is the best retirement planning app for iPhone?
Empower ®, S tier, ranked #1 of 12, rated 4.8 by 422,905 people.
Which retirement planning apps are free?
11 of 12 are free to download: Empower ® (S), NetBenefits (S), Compound Interest Calc (A), J.P. Morgan Retirement Link (A) and more. 2 of them sell in-app purchases. 9 report no in-app purchases.
Which retirement planning app has the best App Store rating?
Military Retirement at 4.9 from 13,889 ratings.
How many retirement planning apps reach S or A tier?
11 of 12.