Retirement planning software built natively for Mac.
See exactly where your retirement is headed — savings growth, drawdown, Social Security, inflation and a spouse — all modeled in a single forecast chart that updates as your financial life changes.
Your Retirement, Visualized
See your entire retirement arc in a single chart.
Banktivity's retirement planner generates a forecast chart that shows your full financial arc — savings accumulating during your working years, peaking at retirement, then being drawn down as you live on them. Key milestones are annotated along a timeline: when contributions change, when you retire, when Social Security kicks in, when your spouse retires, and how the money flows through each phase.
At any point on the chart you can see your target versus actual savings, so you always know whether you are ahead of or behind the plan. The chart updates as your real financial data changes — new contributions, updated account balances, market movements — so your retirement picture is always current, not a static snapshot you set up once and forgot about.
Target vs actual — always visible
The chart shows both where your savings should be at any given point and where they actually are. That gap — or surplus — is the most important number in your retirement plan, and Banktivity keeps it front and center so you can act on it while there is still time.
Milestone timeline
Key events in your retirement plan are plotted along a timeline beneath the chart — your current contribution rate, your projected retirement date, when Social Security benefits begin, your spouse's retirement date, and the point at which your savings fund your full retirement income. You can see the whole story at a glance without hunting through settings or reports.
A Plan That Reflects Real Life
Retirement is complicated. Your planning tool should handle that.
A basic retirement calculator asks for your current savings and a target date and calls it a plan. Banktivity's retirement planner models the variables that actually determine whether your retirement is secure — and lets you see exactly how each one affects the outcome.
You and your spouse
Banktivity models retirement for both you and your spouse independently — separate retirement dates, separate Social Security benefits, separate income and contribution histories. Most retirement tools treat a couple as a single financial unit. Banktivity plans for two real people with two different timelines.
Social Security and government benefits
Enter your estimated Social Security benefits at ages 62, 67 and 70 — available from your Social Security statement or ssa.gov — and Banktivity factors them into your forecast. The planner also accounts for other government retirement programs and private pension plans, including plans that affect your Social Security entitlement.
Inflation and investment growth rates
Set separate growth rates for before and after retirement, and set your expected inflation rate. Banktivity applies these to your forecast so the projection reflects what your money will actually be worth — not just a nominal dollar figure that ignores the rising cost of living.
Contributions as a percentage or dollar amount
Set your retirement contributions as either a percentage of your combined income or a fixed monthly dollar amount — whichever matches how you actually think about saving. The planner shows your combined household income and breaks it down monthly so you can make an informed decision about how much to set aside.
Life expectancy
Enter life expectancy for yourself and your spouse separately. The forecast models how long your savings need to last for both of you, so you can see whether your money outlives you — or whether you need to adjust the plan.
Connected to Your Real Accounts
Your retirement plan updates as your financial life changes.
Most retirement calculators are static. You enter numbers, get a result, and come back next year to do it again. Banktivity's retirement planner is connected to your actual accounts — your 401k, IRA, Roth IRA, brokerage accounts and any other assets you designate for retirement. As those accounts change, your forecast updates automatically.
When you set up your retirement goal, you select which accounts should count toward it. Banktivity tracks the combined value of those accounts against your target savings curve — so you always know whether you are on track, ahead, or behind. That target vs actual comparison is visible directly on the forecast chart, not buried in a report you have to run manually.
Works with US, Canadian and international accounts
Banktivity supports retirement accounts across multiple countries — 401k and IRA for US users, RRSP for Canadian users, and other government retirement programs for users outside North America. Multi-currency support means international account balances are converted and included in your forecast correctly.
Part of your complete financial picture
Your retirement accounts sit alongside your budget, bank accounts, investment portfolio and net worth in the same app. You can see how your retirement savings contribute to your overall net worth, how your monthly contributions interact with your budget, and how your investment performance affects your retirement timeline — all without switching between tools.
What Quicken for Mac Is Missing
Quicken for Mac has no retirement planner. Banktivity does.
Quicken for Windows has a "Lifetime Planner" retirement tool. Quicken for Mac does not. It's been a long-standing feature request in the Quicken Mac community — hundreds of votes, years of waiting, still not delivered. If you are a Mac user who moved to Quicken or stayed with Quicken specifically because you needed retirement planning tools, you already know this gap.
Banktivity has had a retirement planner built in for years. It's not a simplified calculator — it's a full forecast model that accounts for two spouses, Social Security, inflation, investment growth, pension benefits and life expectancy. It is built into the same native Mac app you use for budgeting, investment tracking and net worth. No Windows required.
If retirement planning is the feature that's been keeping you on Quicken for Mac, it's worth knowing you do not have to wait for them to build it. See how Banktivity compares to Quicken across all the features that matter.
Beyond Retirement — All Your Goals in One Place
Retirement is your biggest goal. It's not your only one.
Banktivity's goals system handles more than retirement. Save for a house, a car, a college fund, a vacation or an emergency fund — all tracked in the same goals view alongside your retirement plan. Each goal has its own target, its own timeline and its own progress tracking, so you can manage multiple long-term financial objectives without losing sight of any of them.
And because Banktivity is a complete personal finance platform — not just a goals tracker — your retirement contributions flow through your budget, your retirement accounts contribute to your net worth, and your investment performance feeds directly into your retirement forecast. Everything is connected, and it all lives on your Mac, iPhone and iPad.
Want to see the full picture of what Banktivity offers? See our personal finance software for Mac overview, or explore investment tracking and compare Banktivity to the competition.
Explore Related Topics
Frequently Asked Questions
Does Banktivity have a retirement planner for Mac?
Yes. Banktivity includes a full retirement planning tool built natively for Mac. It models your savings growth, retirement drawdown, Social Security benefits, inflation, investment growth rates and life expectancy — for both you and your spouse — and displays the complete forecast in a single chart.
Does Quicken for Mac have a retirement planner?
No. Quicken for Windows has a Lifetime Planner retirement tool, but Quicken for Mac does not include retirement planning features. It has been a long-standing feature request in the Quicken Mac community. Banktivity offers a full retirement planner built natively for Mac.
Can Banktivity model retirement for a couple?
Yes. Banktivity's retirement planner models both you and your spouse independently — separate retirement dates, separate Social Security benefits, separate income histories. The forecast chart shows milestones for both people on a single timeline.
Does the retirement planner account for Social Security?
Yes. You enter your estimated Social Security benefits at ages 62, 67 and 70 — available from your Social Security statement or ssa.gov — and Banktivity factors them into your retirement forecast. The planner also handles other government retirement programs and private pension plans.
Does Banktivity account for inflation in the retirement forecast?
Yes. You set your expected inflation rate and separate investment growth rates for before and after retirement. Banktivity applies these to the forecast so the projection reflects the real purchasing power of your savings, not just nominal dollar amounts.
Can I see whether I am on track for retirement?
Yes. The retirement forecast chart shows your target savings curve alongside your actual account balances at any point in time. The gap between target and actual is always visible, so you can see immediately whether you are ahead of or behind your plan.
Does Banktivity support Canadian retirement accounts like RRSP?
Yes. Banktivity supports RRSP and other Canadian retirement accounts, as well as US accounts like 401k, IRA and Roth IRA. Multi-currency support means international account balances are handled correctly in the retirement forecast.
Is Banktivity available on iPhone and iPad as well as Mac?
Yes. Banktivity runs natively on Mac, iPhone and iPad with end-to-end encrypted sync across all your devices. Your retirement goal and all your financial accounts are always up to date on every device you own.