
Retirement options are a concern of many Americans today. Planning for your retirement is one of the most important things that you can do. You need to start planning early to ensure that once you do retire you have enough funds to last you through the rest of your life.
You need to plan for unexpected expenses, any possible illnesses or emergencies that may occur and any changes in the economy.
The ability to manage retirement options while on the go has many iPhone and iPad users wondering, ?Which retirement planning applications are the best?? The author discusses the 10 best applications in brief for the edification of the reader.
1. RetirePlan

Most users report RetirePlan as one of the best applications on the market. The graphs, spreadsheets and email capability increase the usability of the application. The application is free; so, it is also cost effective.
In just a few seconds you can enter your data and assumptions and the graph will update to show you if your plan will work. If you have more time to spend you can enter as much detail as you want to refine your plan.
The sliders give you an easy way to see what different values will do to your plan. Need to enter a value outside the slider range? press the amount and a calculator will pop up to let you enter whatever number you need. The slider range will update automatically.
Pros:
Easy to enter data, results are based on assumptions, sliders help users determine how different values will affect your retirement plan, spreadsheets include details for every year of the plan, email capability, capable of adding a spouse, pension, college, Social Security or inflation, excellent graphics, ability to add different rates of return or retirement assumptions.
Cons:
No Excel spreadsheet capability, no ability to toggle between charts listing current dollar value and how inflation affects retirement savings, no ability to determine how a market crash would affect the retirement value.
2. Retirement Dashboard

This particular application allows users to visualize the ?value of savings against required retirement wealth.? Users may determine the value of their savings in any type of market.
The easy input screen requires no training for you or your family to start to use Retirement Dashboard. And if you have any questions you can always reference the full glossary at a touch of a button. You can save all your scenarios for future reference. All saved reports can be accesses quickly. Retirement Dashboard has a clear report screen that enables you to view all the output of your calculations.
You can also email the report to family, friends or financial advisors at a touch of a button. This innovative application is available for $4.99.
Pros:
Easy input screen, intuitive and user-friendly, glossary for reference, easy-to-read reports for, viewing calculation outputs, excellent graphical charts, savable retirement reports, investment style types options, estimate value of wealth, capable of sending reports through text or email, supports multiple currencies.
Cons:
None
3. Retire Logix

Retire Logix is an innovative and interactive retirement planning application with sliders and charts for convenience. Users may change assumptions easily. Some assumptions include social security contributions, asset values, annual retirement spending, retirement age and inflation.
Retire Logix lets you split your retirement expenses into your Needs and Your Wants. The money you spend on your daily expense like groceries, household expenses, medical bills, insurance, are considered to be Needs. These are basic expenses you have to support in retirement.
Your Wants are anything you would like to plan for in retirement; things like travel expenses, entertainment, and other fun spending.
Pros:
Free, video Help option, data in application may be uploaded to Finance Logix Portal, retirement, time-line charts, easy to use and intuitive.
Cons:
Requires iOS 4.2 or later.
4. Guide to Retirement Planning

This guide helps users start their retirement plan by providing tips from start to fini
sh. The comprehensive guide teaches you how to make the most of your employer?s pre-defined retirement plan and make some adjustments to improve your financial outcome during retirement.
When was the last time you thought about what you would be doing in 10 years, 20 years, even 30 years? Probably not very often, huh? The thought of retirement planning probably isn?t the most fun activity in the world. With the help of this book, You Can Easily Plan For Your Retirement! It contains more than everything you need to know to get started.
The guide is intended for a ?how to? and may be used in conjunction with other applications. The cost is only $0.99.
Pros:
Helps users find free money in retirement plans provided by employers, teaches users how to invest in the stock market to improve retirement savings, teaches clients how to plan your will, instructs clients about health insurance and long-term care,
Cons:
Does not have the advanced features of other financial planning tools, guide is more instructional than calculations-driven.
5. Vanguard for iPad
Many retirement-age people seek a range of investments. Some people planning for retirement enjoy being in control of their investments.
Vanguard provides an application to help clients monitor their investments for retirement savings. Charts track the activity of stocks, Mutual funds, bonds and Exchange Traded Funds (ETFs).
Pros:
Perform mutual fund account transactions on your iPad, analyze the performance of your investments with charts and graphs, research investments online, view instructional videos and podcasts available through the application, share content through email, enables secure transactions.
Cons:
Not specific to retirement planning. Application primarily tracks investments. Does not have an application to factor in inflation or sliders to include different assumptions.
6. Fidelity Investments for iPad
This application allows retirement planners and investors to take charge of their own investment strategy. Fidelity?s application addresses retirement-age people who are aware of the inflation factors and need a supplement to manage their investments. Through this application, clients may monitor market news and research investment opportunities.
You can view your brokerage and workplace savings accounts from virtually anywhere you are, with news, research, online bill pay, remote check deposit and other powerful tools right at your fingertips.
Pros:
Provides real-time market quotes, offers real-time market news, provides a list of the highest gaining stocks and the stock losers, monitors positions, funds transfers, balances and valuations of holdings, integrates with workplace savings information.
Cons:
Not specific to retirement planning. Application primarily tracks investments.
7. Market Dash
MarketDash from Yahoo! Finance provides easy access to your investment portfolios. Users have access to real-time quotes throughout the day. Clients may monitor all market movements by percentage, price or market cap while on-the-go.
Users are no longer confined to their desks.
Pros:
Stock market comparisons that may be viewed at a glance with interactive charts, real-time market information to help make stock picks, Manual refresh button for instant prices and updates, stock quotes may be easily added to watchlist or portfolio, double-click on the chart for a full-screen view.
Cons:
Not specific to retirement planning. Application primarily tracks investments.
8. The Street
This iPad application helps users analyze stock picks and view comments from investment experts on Wall Street. Technical analysis is instrumental to understanding how a particular stock will perform.
This is necessary for retirement investors that want to play an active role in their investment strategy.
Pros:
Includes numerous technical indicators that will determine ideal entry and exit points for stocks: Standard deviation, stochastic oscillators, RSI, MACD, CCI, Williams %R, Bollinger Bands, trend lines and others. Real-time stock market news, ETF and options experts. Videos include information about stock market data.
Cons:
Not specific to retirement planning. Application primarily tracks investments.
9. Retirement
The Retirement Calculator will help clients determine what they will need to plan a proper retirement for their clients. This application includes tools such as an IRA or Traditional IRA comparison calculator.
The application may also find quotes for all types of insurance that may be needed in retirement years. Annuities are important investment tools that ensure that people obtain an annual salary in their retirement years. Annuity rates are provided through the application.
Pros:
A Roth IRA versus Traditional IRA comparison calculator is included, an annuity planning calculator is included, insurance comparison calculator tools provides annuity quotes for comparison, a retirement planning calculator is included, an insurance comparison calculator can acquire insurance quotes from 10 different lines of insurance: health, renters, life, disability, long term care, cancer, burial, final expense and others.
Cons:
No specific retirement reports, no inflation calculations, reports cannot be saved.
10. Smart Money Retirement Planner
SmartMoney?s Retirement Planner helps clients determine how their savings and spending habits will affect their retirement. Numerous scenarios can be tested. Whether you are concerned about Social Security or taxes SmartMoney?s Retirement Planner can assist.
The application is free and allows the user to plan for him or herself or a spouse. Users will also learn how to optimize their savings for taxes. Tax havens may be found in certain retirement planning savings tools.
Pros:
Good inputs, quick estimating options.
Cons:
Does not remember or save settings, no capability to export or email output reports, data entry option requires too much effort.
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Source: http://www.wealthbuildingcourse.com/10-ipad-iphone-apps-retirement-planing.html
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