Personal Capital

This retirement planning app is a robust retirement planner tool that uses Monte Carlo simulation to draw a better picture of your future retirement savings under different scenarios.

All you have to do is sign up for a free account on Personal Capital, but don’t feel obliged to hold your investments there. The app has a practical feature where it syncs with your financial accounts so you can see your investments in one place.

You can learn on this app how a major financial event might affect your retirement planning, like receiving an inheritance or buying a new house. And you won’t have to worry about security as well, because it includes two-factor authentication.