TOP 7 Retirement Apps for iPhone in 2025

Retirement sounds like one of those far-off things you’ll “figure out later,” right?

But the truth is, if you’ve got an iPhone and even a little money coming in, you can start planning smarter right now.

And no, you don’t need a financial advisor charging you hundreds an hour.

You just need the right app.

Some of these apps help you track your 401(k) and see if you’re on track.

Others let you build a full-blown retirement plan that adjusts as your life changes.

And a few even invest for you automatically, so you don’t have to lift a finger.

I’ve gone through the best retirement apps for iPhone — whether you’re just getting started, halfway there, or trying to figure out how much longer you gotta grind.

Each app has its own vibe.

Some are all about numbers and projections, some are hands-off and chill.

I’ll break them down, tell you which one I’d pick overall, which one’s totally free, and which ones are great depending on what stage you’re in.

Let’s dive in.

1. Fidelity Retirement Score – Best Overall Retirement Planning App

Pros:

• Super quick and free retirement score in 60 seconds
• No need to create an account just to get started
• Backed by Fidelity’s trusted investment tools
• Easy to understand, even if you’re not into finance

Cons:

• Mostly tailored toward U.S. users
• Pushes you toward opening a Fidelity account (optional though)

Price: Free

So here’s the deal — Fidelity Retirement Score is what I’d recommend to literally anyone who just wants a no-BS answer to: “Am I on track for retirement or not?”

You open the site, punch in some basics like your age, income, current savings, and it gives you a retirement readiness score.

It’s a simple number out of 150, with a color-coded bar that tells you if you’re doing great, okay, or need to catch up.

No login required. No complex graphs. Just straight to the point.

What I love is how non-scary it feels.

You don’t need to understand Roth IRAs, tax deferral rules, or how mutual funds work.

It just tells you, “Here’s where you stand. Here’s how to improve.”

And if you do want to dive deeper later, the tool can walk you through retirement projections, income gaps, and how much to save monthly to stay on track.

It’s free. It’s fast.

And it gives you a real wake-up call if you’ve been ignoring your future.

Even if you never use Fidelity for investing, this app is still worth checking once or twice a year just to see where you’re headed.

If retirement planning overwhelms you, start here.

It seriously cuts through all the noise.

2. Empower – Best for Tracking Retirement + Net Worth Together

Pros:

• Syncs all your accounts in one place
• Real-time net worth tracker
• Retirement planner is actually solid and free
• Visual charts and projections that make sense

Cons:

• Requires linking your financial accounts
• May get calls from advisors if you cross a certain net worth threshold

Price: Free

If you want a retirement app that also shows your whole financial life, Empower is where it’s at.

You connect your 401(k), Roth IRA, savings, checking, mortgage, even credit cards — and the app shows you exactly where your money is going and growing.

It gives you a real-time net worth tracker, which honestly feels kind of addictive once you start checking it.

But where it really shines is the Retirement Planner tool.

It pulls your income, current savings, and goals into a clear projection that says, “Here’s what your retirement might look like — and here’s how to improve it.”

You can play around with variables like retiring early, adjusting your contributions, or changing your expected spending, and it updates everything in real time.

The app does ask you to link accounts, which I know isn’t for everyone.

And if you have more than $100k invested, there’s a chance you’ll get a call from a financial advisor offering help (you can ignore it, no pressure).

But for a free app, Empower is one of the most complete tools I’ve seen.

It’s not just a retirement calculator, it’s a full-blown money HQ in your pocket.

So if you’re serious about understanding where you are now and how that affects retirement later, this one’s a no-brainer.

3. Retirement Planner by SmartAsset – Best for Pro-Level Retirement Calculations

Pros:

• Super detailed retirement calculator
• Adjust income, savings rate, retirement age, and more
• No login needed to test it out

Cons:

• Less helpful if you’re brand new to retirement planning

Price: Free

If you’re someone who likes playing with numbers, tweaking timelines, and seeing the “what if” scenarios, this one’s for you.

SmartAsset’s Retirement Planner feels more like a pro-level simulation than a basic savings calculator.

You start by putting in your current age, income, savings, expected retirement age, and how much you’re saving monthly.

Then it shows you a full-blown forecast — including how much you’ll have, how long it’ll last, and whether or not you’re likely to outlive your money.

The best part? You can adjust everything.

Want to retire five years earlier? Change the number and watch the chart shift instantly.

Thinking about increasing your savings rate? Do it and see the future impact in seconds.

It even lets you factor in Social Security income, inflation, and estimated investment growth.

It’s not the flashiest-looking app out there, and it doesn’t really hold your hand — but that’s kind of the point.

It’s built for people who want answers, not fluff.

If you already have a basic plan but want to stress test it, this tool gives you the power to do that.

So yeah, if you’re the type who likes diving into the details and fine-tuning your future, SmartAsset’s Retirement Planner hits different.

4. Wealthfront – Best Automated Retirement Investing

Pros:

• Fully automated investing (hands-off retirement planning)
• Smart tax-loss harvesting & rebalancing built-in
• Let you open IRAs, Roth IRAs, or taxable accounts
• Beautiful, beginner-friendly interface

Cons:

• No human financial advisor (100% robo-advisor)

Price: 0.25% annual fee.

If you want to plan for retirement but don’t want to become a finance nerd, Wealthfront is the app for you.

Here’s how it works: You answer a few questions about your age, goals, income, and comfort with risk. Based on that, Wealthfront builds a personalized retirement portfolio using ETFs (index-style investments), spreads your money across different assets, and takes care of everything — rebalancing, reinvesting, even tax optimization.

So basically… you invest, and it manages itself.

You can open a Roth IRA, traditional IRA, or even just a regular taxable account if you’re maxing out other options.

The dashboard shows a clean timeline of your retirement goal, with projected savings and a “You’ll be fine / You need to save more” kind of progress meter.

Now, it’s not free — Wealthfront takes a 0.25% annual fee, but honestly, for what it automates, it’s worth it.

Especially for folks who don’t want to deal with picking stocks or babysitting their investments.

What I really like? It also comes with a built-in retirement projection tool, so you can play with “What if I retire at 58?” or “What if I increase contributions?” — and it recalculates everything on the fly.

If you want to grow your retirement savings on autopilot, Wealthfront is the best bet.

5. Boldin – Best for Detailed Retirement Projections

Pros:

• Crazy-detailed retirement planning tools
• You can model everything — pensions, real estate, healthcare costs
• Offers lifetime income planning and drawdown strategies
• Sync accounts or build everything manually

Cons:

• Can feel overwhelming at first (lots of inputs)
• Some advanced features sit behind a paywall

Price: Free or $10/month.

Boldin isn’t for the “quick calculator” crowd.

It’s for people who really want to dig in and build a retirement plan that feels like a game plan, not a guess.

You start by entering all your financial data — income, current savings, home value, debts, Social Security estimates, and more.

Then it maps out a full life timeline showing how your money might grow, when you’ll retire, and how long your funds will last based on different withdrawal strategies.

What’s wild is how much detail it lets you control.

You can:

• Add custom one-time expenses (wedding, vacation, medical)
• Factor in inflation, investment returns, and market dips
• See when your money might run out — and how to avoid it
• Even test “What if I sell my house at 70?” or “What if I stop working at 55?”

Now, if you’re brand new to retirement stuff, Boldin might feel like a lot.

But if you’ve been saving for a while and want to make sure you’re making smart decisions, this app gives you that deep insight most apps can’t touch.

You can keep it 100% manual or connect accounts for faster setup.

In short, if you’re serious about building a rock-solid plan and want zero surprises in your retirement years, Boldin is a beast.

6. Charles Schwab – Best for DIY Retirement Investors

Pros:

• Full access to IRAs, Roth IRAs, and 401(k) rollovers
• Tons of investment options
• Powerful research tools for serious investors
• No account minimums and $0 stock/ETF trades

Cons:

• Interface can feel a bit overwhelming for beginners
• No robo-advisor unless you opt into Schwab Intelligent Portfolios

Price: Free (some mutual fund and options trades may have fees).

If you like being hands-on with your money — making your own choices, picking your own investments, and not relying on automation — Charles Schwab’s mobile app gives you the keys to the castle.

You can open a traditional IRA, Roth IRA, SEP IRA, or roll over an old 401(k) — all from the app.

And once you’re in, you’ve got access to basically everything: stocks, ETFs, mutual funds, bonds, and more.

Want to put your entire Roth into index funds and never touch it again? Cool.

Want to trade dividend stocks and adjust your portfolio monthly? Go for it.

What makes Schwab stand out is the research tools.

You get stock screeners, fund ratings, news updates, and portfolio performance insights — right from your iPhone.

It’s not flashy, but it’s powerful.

Now, yeah, the app isn’t exactly built for beginners.

There’s a learning curve if you’ve never invested before.

And if you’re looking for a passive, “just tell me what to do” setup, you might be better off with something like Wealthfront or Boldin.

But if you want full control, zero trade commissions, and a platform that’s been around for decades, Schwab delivers.

7. Vanguard – Best for Long-Term Index Fund Investors

Pros:

• Trusted name in retirement investing
• Access to top-tier, low-cost index funds and ETFs
• Built for long-term growth, not day trading
• Easy to open IRAs and manage retirement accounts

Cons:

• Mobile app is basic compared to others
• Not ideal for active traders or flashy tools

Price: Free, but may have a fee structure.

Vanguard is kind of like the quiet genius in the room.

It’s not flashy, it’s not trying to upsell you every five seconds — it just gets the job done, reliably, for decades.

This is the app you go to when you’re like: “I don’t want to think about investing every week — I just want to retire comfortably.”

You can open a Roth IRA, traditional IRA, or even a taxable account, and fill it with Vanguard’s legendary index funds — like VTSAX or VTI — that are known for solid performance with rock-bottom fees.

And those fees? That’s the big deal here.

Vanguard pioneered the whole “low-cost investing” model.

The less you pay in fees, the more money stays in your retirement account.

It’s that simple.

But the mobile app itself is a little plain.

You’re not getting detailed graphs or fancy projections like Boldin or Empower.

But it covers the basics: check your balance, buy/sell funds, update your contributions — all the stuff you actually need.

So yeah, if you’re a long-term, no-drama investor who wants to build a strong retirement fund quietly in the background, Vanguard is one of the best out there.

Just set your contributions, pick your index fund, and let compound growth do its thing.

My Final Take

Look — retirement apps aren’t magic wands.

They won’t make you rich overnight, and they won’t do the work for you.

But they can make the whole retirement thing feel a lot less scary.

Whether you’re just getting started with your first 401(k) or you’ve already got a chunk saved up, these apps give you a clearer picture of where you’re at… and where you’re headed.

And trust me, once you see your numbers laid out, it hits differently.

If you want something dead simple to check your progress, Fidelity Retirement Score is where I’d start.

For total control and deep planning, Boldin is a beast.

And if you just want to invest and not think about it again, Wealthfront has your back.

But that’s just my take.

Everyone’s path to retirement is different.

The main thing? Start now.

Even if it’s messy. Even if you’re not sure. Future-you will thank you for it.

That’s all from me.

If you’ve been using another retirement app that’s actually working for you, drop it in the comments — or hit me up on Reddit.

Always down to find new hidden gems.

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