100% Private · On-Device Financial Planning

How long will your money last?

Lastwell is a modern retirement planner for iPhone and Android. Find out how long your savings will last, how much you can spend, and what you need to retire. Your financial plans stay strictly on your phone: no accounts, no tracking, no ads.

Open Quick Estimator Explore Features
No Bank Linking
Zero Account Signup
Works Offline
Lastwell preview banner displaying logo and tagline: How long will your money last? Private retirement planning. No account needed.
Clarity & Peace of Mind

The Three Vital Retirement Questions

Retirement planning doesn't need to be overwhelming. Lastwell transforms complex actuarial math into clear, actionable answers.

1. How Long Will It Last?

Calculate your portfolio runway in years and months. Project exactly what age your savings will support you under various inflation, investment return, and spending scenarios.

  • Compound investment growth & inflation modeling
  • Factor in Social Security & pensions
  • Visual depletion milestones and timeline

2. How Much Can You Spend?

Determine your sustainable monthly and annual withdrawal budget without the fear of running out. Balance current lifestyle enjoyment with long-term safety.

  • Dynamic sustainable withdrawal calculations
  • Custom retirement horizons (20 to 50+ years)
  • Combine savings drawdowns with guaranteed income

3. How Much Do You Need?

Find your personalized "Freedom Number". Know exactly what nest egg target is needed to fund your desired future lifestyle and bridge any shortfall.

  • Target retirement nest egg goal setting
  • Comparison with the traditional 4% rule
  • Gap analysis to guide current monthly contributions
Instant Web Simulator

Interactive Retirement Estimator

Test your numbers in real-time. Adjust the sliders below to explore your estimated runway, sustainable spending, or target nest egg.

Quick Scenarios:
Current Portfolio
Total Monthly Outflow
Estimated Savings Runway
--
Calculating...

Net monthly withdrawal estimate.

Available Nest Egg
Years to fund
Sustainable Monthly Spending
--
--

Calculated based on sustainable amortization across your chosen timeframe.

Lifestyle Budget
Longevity Target
Target Savings Needed
--
--

The nest egg required to support your target lifestyle without early exhaustion.

Simplified simulation for quick planning. The Lastwell mobile app runs comprehensive year-by-year models with dynamic milestones, taxes, and inflation adjustments.
Learn how Lastwell models plans →
Our Fundamental Promise

Your Finances Are Nobody Else's Business

Most financial apps ask you to link your bank credentials, store your intimate net worth on remote cloud servers, and monetize your data with targeted ads. Lastwell is built differently.

On-Device Calculations & Storage

Every calculation happens on your phone's processor. Your savings, income, and milestones never touch our servers because we don't have servers that receive them.

No Accounts & Zero Tracking

No usernames, no passwords, no email registrations. No third-party ad networks, tracking pixels, or cross-app analytics.

Biometric Lock & Encrypted Backups

Protect your plan with Face ID, Touch ID, or your device passcode. Backups (.lastwell files) are encrypted on-device with your personal passphrase.

Read Our Full Privacy Policy
Feature Typical Cloud Apps Lastwell
Account Requirement Mandatory email & login None (Open & plan)
Where Data is Kept Remote cloud databases 100% on your device
Bank Password Linking Often demanded Never (Manual inputs)
Ads & Cross-Site Tracking Common Zero ads or trackers
Offline Availability Requires internet 100% offline capable
Biometric Protection Varies Face ID / Touch ID
Got Questions?

Frequently Asked Questions

Everything you need to know about Lastwell, privacy, and retirement simulations.

Lastwell operates entirely offline on your iPhone or Android device. Your financial plans, income amounts, and net worth never leave your device unless you explicitly choose to export or back them up. We run no database servers, hold no customer accounts, and include no third-party analytics SDKs.

The app simulates month-by-month cash flows, compounding investment growth while deducting living expenses and accounting for inflation. You can customize expected investment returns, life expectancies, and add multiple recurring income streams (such as Social Security or defined benefit pensions) that kick in at specific ages.

No. You never need to connect bank accounts or share brokerage credentials. Lastwell uses simple, clean manual inputs that give you total control to test hypothetical scenarios without exposing sensitive credentials.

Lastwell is free to use with full essential retirement modeling. Lastwell Pro is an optional upgrade offering advanced capabilities such as unlimited saved plan scenarios, PDF report exports, CSV tables, and custom Freedom Cards. Pro is available either as a yearly subscription with a free trial or as a one-time lifetime purchase.

Lastwell is coming soon to both the Apple App Store for iOS and Google Play for Android. Keep an eye on lastwell.app for launch announcements.
Lastwell Logo

Retirement clarity is around the corner.

Lastwell is coming soon to the App Store and Google Play. Take control of your retirement trajectory with total privacy.

Coming Soon to App Store
Coming Soon to Google Play
Have questions or feedback? Contact support@lastwell.app