RetireSmart — Complete User Guide

Everything you need to know about using RetireSmart, from adding your first holding to running full Monte Carlo retirement simulations for your whole family.

App Overview

RetireSmart is a personal finance and retirement planning app for Android. It does four things:

1. Tracks your investment portfolio — stocks, ETFs, real estate, cash, pensions, and more, all with live prices
2. Models your retirement — goal planner, Monte Carlo simulation, and drawdown analysis
3. Manages your full balance sheet — assets minus liabilities = your true net worth
4. Supports your whole family — separate profiles for every family member, each with their own plan

Free vs Pro

Feature	Free	Pro
Holdings tracked	Up to 3	Unlimited
Asset types	Real Estate only	All types
Liabilities	Mortgage only	All types
Monte Carlo Forecast	❌	✅
Drawdown Planner	❌	✅
Family profiles	1 profile	Up to 5 member profiles
Shared Household Assets	❌	✅
PDF Export	✅	✅
DCA Reminders	✅	✅

First Launch & Sign In

When you first open RetireSmart, you'll see an onboarding walkthrough explaining the key features. After that, you'll be asked to sign in.

Navigation

RetireSmart has three main tabs at the top of the screen:

Tab	What it does
Portfolio	Your investment holdings, other assets, liabilities, shared household, and net worth balance sheet
Planner	Retirement goal, Monte Carlo forecast, drawdown analysis, and net worth history graph
Settings	Dark mode, privacy policy, user guide, support, and app info

Within the Planner tab there are three sub-tabs (the third varies by profile type):

• Goal — Set your retirement target and inputs
• Forecast — Monte Carlo simulation Pro
• Retirement — Drawdown calculator for adult profiles Pro
• Spending — Education fund drawdown plan for child profiles

Adding Holdings Manually

A "holding" is any stock, ETF, index fund, or other security you own.

Supported Ticker Formats

Exchange	Format	Example
US (NYSE / NASDAQ)	TICKER	AAPL, MSFT, VTI
Singapore (SGX)	TICKER.SI	D05.SI, G13.SI
Hong Kong (HKEX)	TICKER.HK	0700.HK
London (LSE)	TICKER.L	HSBA.L
Australia (ASX)	TICKER.AX	CBA.AX
Malaysia (KLSE)	TICKER.KL	1155.KL

Importing Holdings from a Screenshot Pro

Instead of typing each ticker manually, you can photograph or upload a screenshot of your broker's portfolio page and RetireSmart will extract all positions automatically using AI.

Batch Import via CSV Paste Pro

If you already know your tickers and share counts, you can paste a comma-separated list to import multiple holdings at once — no screenshot or camera needed.

Editing and Deleting Holdings

Edit shares or name

1. Tap on any holding row to open the edit modal
2. Change the share count, name, or ticker
3. Tap Save

Quick share edit

If you see the hint "Tap any holding below to add your share count", just tap the holding directly to open it and enter your shares.

Delete a holding

1. Tap the holding to open it
2. Tap Delete at the bottom of the modal
3. Confirm deletion

Reorder holdings

1. Long-press any holding row until it lifts up (you'll feel a vibration)
2. Drag it to the desired position
3. Release to drop

Select multiple holdings

Tap the ☑ checkbox icon at the top of the Holdings screen to enter selection mode. You can then select multiple holdings and delete them all at once.

Clear all holdings

Tap the Clear button at the top right of the Holdings screen. You'll be asked to confirm before anything is deleted.

Undo

After any change (add, edit, delete, reorder), tap ↩ Undo in the top bar to reverse the last action.

Price Alerts

Set a price threshold on any holding and RetireSmart will notify you with a banner the next time prices are refreshed and that threshold is crossed.

Setting an alert

A 🔔 indicator appears on the holding row to remind you an alert is set.

When an alert fires

On the next price refresh, if a holding's live price crosses your threshold in the configured direction, an amber alert banner appears above the portfolio summary card. Tap ✕ to dismiss it.

Organising Holdings into Sections Pro

Pro users can group holdings into labelled sections — e.g. "US Stocks", "Singapore", "Crypto", "Retirement Accounts".

Add a section

1. Tap + Add Section on the Holdings screen
2. Type a name for the section
3. Tap Save

Move holdings between sections

1. Long-press a holding to start dragging
2. Drag it onto a different section header to move it there

Reorder sections

1. Long-press a section header until it lifts
2. Drag it to the desired position

Rename or delete a section

Tap the ✎ edit icon next to a section header to rename it, or tap the ✕ delete icon to remove it (holdings inside are moved to the default section).

Other Assets

Other Assets are non-stock investments that contribute to your net worth — real estate, cash, CPF/superannuation, pension funds, bonds, and more.

Asset types available

Type	Icon	Examples	Plan
Real Estate	🏠	Home, investment property	Free
Cash & Bank	💵	Savings, fixed deposits	Pro
CPF / Retirement Fund	🏦	CPF OA/SA, EPF, 401k	Pro
Bonds	📄	Government bonds, SGS	Pro
Pension	🏛️	Defined benefit pension	Pro
Business	🏢	Shares in a private company	Pro
Crypto	₿	Bitcoin, Ethereum	Pro
Collectibles	🎨	Art, watches, wine	Pro
Custom	📋	Anything else	Pro

How to add an Other Asset

Liabilities (Debts)

Liabilities are debts subtracted from your assets to calculate your true net worth. Adding them gives you an accurate picture of what you actually own vs. what you owe.

Liability types

Type	Icon	Examples	Plan
Mortgage	🏠	Home loan, apartment loan	Free
Taxes	🧾	Income tax, property tax	Pro
Car Loan	🚗	Vehicle financing	Pro
Student Loan	🎓	University, study loans	Pro
Credit Card	💳	Outstanding card balance	Pro
Custom	📋	Any other debt	Pro

How to add a liability

Shared Household Assets Pro

Shared Household is a special section visible to all family members — for assets jointly owned across the family, like a family home or a joint investment account. Unlike regular assets, you can assign a precise ownership percentage to each member — so a 60/40 split or even 100/0 (where one member has no share) is fully supported.

How to add a shared asset

Deleting a shared asset

Tap the ✕ button on the right of any shared asset row to delete it.

Exporting Your Portfolio as a PDF

Tap 📄 Export as PDF at the bottom of the Portfolio screen to generate a formatted PDF report of your holdings, other assets, liabilities, and net worth. The PDF is generated entirely on-device — no internet required.

The PDF report includes:

• Holdings table — ticker, name, shares, price, and value for each position
• Other Assets table — name, type, and value
• Liabilities table — name, type, and balance
• Net Worth box — highlighted in green (or red if negative)
• Date stamp and RetireSmart branding at the top

Portfolio Allocation Chart

Once your holdings have value (live price × shares > 0), the PORTFOLIO ALLOCATION card appears on the Portfolio screen. It shows a donut chart of your portfolio broken down by holding.

• Each coloured segment represents one holding, sized by its dollar value
• Callout labels point outward from each segment — showing the ticker and allocation %
• Holdings beyond the top 7 are grouped into an Others segment
• The centre shows your total portfolio value
• The card shows a Retirement Goal progress bar (% funded) and a monthly DCA breakdown across three market scenarios
• A legend below the chart lists each holding with its dollar value and exact percentage

3-Scenario DCA Breakdown

Below the allocation chart and goal progress bar, the Portfolio tab shows how much you'd need to invest per month to hit your retirement goal under each market scenario:

Scenario	Nominal Return	What it means
🟠 Conservative	7%/yr	Lower-growth markets — you need to save more
🟢 Base	10%/yr	Long-run average equity return — the middle ground
🔵 Optimistic	13%/yr	Strong-growth markets — you can save less

Each row shows the required monthly DCA (or "On track 🎯" if you're already funded). These numbers account for your existing portfolio and match the DCA figures in the Planner tab — the same starting portfolio, same real rates, same goal.

Net Worth History Graph

The Planner tab shows a line graph of your net worth over time. It records one snapshot per day when you open the app and refresh your prices.

• The graph appears automatically once you have at least 2 snapshots (i.e., you've opened the app on at least 2 different days with holdings)
• It tracks up to 365 days of history
• The percentage change shows growth since your first recorded snapshot
• The first and last data points are marked with dots; the most recent value is shown above the chart

Goal Planner

The Goal tab is where you configure your retirement plan inputs. These drive all the calculations in the Forecast and Drawdown tabs.

Your Profile

• Current Age — your age today
• Years to Retirement — how many years until you want to retire (slider: 5–50)
• Retirement Age — calculated automatically from the above two

Retirement Goal ($)

The total portfolio value you want to reach at retirement. This is the "number" — the amount that will sustain your lifestyle in retirement. A common rule of thumb is 25× your expected annual spending (the 4% rule).

Growth Scenario

Scenario	Annual Return (nominal)	Use for
Conservative	7%	Bond-heavy portfolio, near retirement
Base	10%	Balanced / broad-market portfolio (default)
Optimistic	13%	100% equities, long time horizon

Inflation Adjustment

Toggle Adjust for inflation to see your goal in today's purchasing power. The default inflation rate is 3% — you can adjust this with the slider.

Lump Sum & Monthly Contributions

• Lump sum — a one-time deposit you plan to make (or current cash savings outside of investments). Automatically combined with your existing retirement portfolio value so the whole starting balance compounds together.
• Monthly income to invest (DCA) — how much you invest every month. Added to your portfolio at each time step in the projection.

Semi-Retirement Mode

Enable Semi-retire to model a two-phase retirement: first a period of reduced income (e.g. part-time work), then full retirement. Set:

• Years to semi-retire — how many years until you go part-time
• Years of semi-retirement — how long the part-time phase lasts
• % of current contributions — how much you'll still invest during the part-time phase (e.g. 30% means you invest 30% of your current monthly DCA)

Reading the Result

After the inputs are filled in, the app calculates:

• Projected portfolio value at retirement
• % funded — how close your current portfolio is to the goal
• Monthly DCA gap — how much more you need to invest each month to hit the goal (shown as a red/green card)

Forecast — Monte Carlo Simulation Pro

Monte Carlo simulation runs 1,000 random market scenarios using the historical volatility and return of your actual holdings. It shows you the range of possible outcomes — not just one average number.

How to read the results

• Success rate — the percentage of simulations where you reached your goal. 85%+ is excellent; below 60% means you need to save more or retire later.
• Median outcome — the middle simulation result (50th percentile)
• Best / Worst case — 90th and 10th percentile outcomes
• Chart — fan chart showing the spread of outcomes over time. The green zone is the top 25% of scenarios; the red zone is the bottom 25%.

What drives the simulation?

Each simulation randomly samples monthly returns from a log-normal distribution calibrated to your portfolio's weighted average return (CAGR) and annual standard deviation (volatility). These are calculated from 5 years of monthly historical prices for each holding you own.

Retirement Drawdown Calculator Pro

The Drawdown tab answers: "If I retire with $X, how long will my money last?" It's the flip side of the accumulation phase — now you're spending, not saving.

Inputs

• Starting savings — defaults to your retirement goal amount from the Goal tab. Change it to any value.
• Monthly withdrawal — how much you plan to spend each month in retirement
• Annual withdrawal rate (%) — alternatively, express your spending as a % of the portfolio (4% is the classic "safe withdrawal rate")
• Post-retirement return (%) — how your portfolio grows during retirement (typically lower than accumulation phase, e.g. 2–4% for a conservative allocation)
• Time horizon (years) — how many years you need the money to last (e.g. 25 years if you retire at 65 and expect to live to 90)

Reading the result

• Green result — your money lasts the full time horizon. The remaining balance is shown.
• Red result — your money runs out. The year it depletes is shown.
• Chart — line chart showing your portfolio balance year by year

DCA Monthly Reminders

Set a monthly push notification to remind you to make your regular investment (Dollar Cost Averaging).

The reminder fires at 9:00 AM on your chosen day every month. Toggle it off to cancel.

Investment Streak

The streak tracker rewards consistency — it counts how many consecutive months you've made an investment.

• Each month, tap + Log after you make your investment to record that month
• Your streak counter increases by one
• Miss a month and the streak resets to zero
• The current month can be undone if you tapped it by mistake (tap Undo)
• Past months cannot be edited — the streak is honest!

Family Overview Pro

When you have 2 or more family profiles, a 📊 Overview chip appears at the left of the profile bar. Tap it to see a summary of all members' net worth in one place.

The overview shows:

• Combined Household card — total family net worth, with an "Adults only" figure if you have child profiles
• Per-member rows — name, profile type, and last-known net worth for each member
• Tap any member row to switch to their profile

Net worth figures are updated whenever you switch to a member's profile and prices are refreshed.

Family Report PDF Pro

Export a single PDF that shows the full household picture — all members' assets, liabilities, and net worth on one page.

The family report includes:

• Combined Family Net Worth box — the household total, with an adults-only subtotal if applicable
• Individual Breakdown table — one row per member showing gross assets, liabilities, and net worth
• Holdings count, other assets count, and liabilities count per member
• Family Total row at the bottom

Adding Family Members Pro

Each profile has its own completely separate holdings, assets, liabilities, and retirement plan. Switching profiles saves the current one and loads the new one instantly.

Switching Between Profiles

Tap any name chip in the profile bar at the top of the screen. The app saves your current profile and loads the selected one. You can also rename or delete profiles from the 📊 Overview modal.

Child Profiles

Child profiles are designed for planning an education fund or long-term gift for a child. They work differently from adult profiles in several ways:

• The Planner tab shows Investment Goal instead of Retirement Goal
• Age slider maximum: 21 years old — suitable from newborn to young adult
• Years-to-goal slider maximum: 21 years — matching the typical horizon to adulthood
• Default settings: age 1, goal $100,000 (SGD), 20-year horizon — ready to go for a newborn
• The goal is labelled "Target at age X" instead of "Retire at X"
• The Drawdown tab is replaced by a "Spending" tab — configure how the fund will be used (e.g. university over 4 years). The tab switches automatically when you select a child or adult profile.
• The in-retirement income box and DCA boost block are hidden — retirement-specific projections don't apply to a child's education fund
• The semi-retirement toggle is hidden

Spending Tab (Child Profiles)

The Spending tab lets you model how the accumulated fund will be drawn down once the target age is reached:

• Fund Purpose — label what the money is for (e.g. "University", "House deposit")
• Duration — how many years the fund will be spent over (1–10 years)
• The app calculates the annual and monthly withdrawal amounts automatically
• A chart shows the portfolio declining from the target age through the end of the spending period

Converting a Child to an Adult Profile 🎓

When a child grows up, you can graduate them to a full adult profile — keeping all their accumulated assets, holdings, and savings, while unlocking retirement planning tools.

After graduating:

• The Drawdown tab replaces the Spending tab in the Planner
• Semi-retirement planning, 4% rule income projection, and all Pro retirement features become available
• Existing investments and assets transfer automatically — no re-entry needed

Settings Screen

Tap the ⚙ gear icon in the top-right corner of any screen to open Settings. From here you can:

• Subscription status — shows your current plan (Free, Pro, or Family) with an Upgrade button for free users
• Dark Mode toggle — switch between light and dark themes
• Base Currency — choose your preferred currency for displaying portfolio values
• User Guide — opens this guide in your browser
• Privacy Policy — opens in your browser
• Terms of Service — opens in your browser
• Financial Disclaimer — shown inline below the legal section
• Contact Support — opens your email app pre-filled with our support address
• Rate on Google Play — leave a review on the Google Play Store
• App version & package name
• Sign out — sign out of your account (your data stays in the cloud)
• Delete Account — permanently deletes your account and all data (irreversible)

Dark / Light / System Mode

RetireSmart fully supports dark mode, light mode, and following your device's system setting. Choose between them in Settings → Theme. Your preference is saved and restored on every launch.

Upgrading to Pro

Tap Upgrade in Settings, or tap the upgrade banner on the Portfolio screen, or tap the 🔒 lock on any Pro feature.

Pricing

Plan	Monthly	Annual	Lifetime
Pro — 1 person, cloud sync	USD $12.99/mo	USD $94.99/yr (USD $7.92/mo)	USD $299.99
Family — up to 6 people, all features	USD $21.99/mo	USD $154.99/yr (USD $12.92/mo) · includes 7-day free trial	USD $449.99

Choose Pro for a single user or Family for up to 6 people on one subscription. Annual plans save up to 41% over monthly. The lifetime plan is a one-time payment — yours forever with no recurring fees.

Restoring purchases

If you reinstall the app or switch phones, tap Restore purchases at the bottom of the paywall to recover your Pro access.

Common Questions

My prices aren't updating — what do I do?

Tap the ↻ Refresh button at the top of the Holdings screen. If prices still don't update, check your internet connection. Yahoo Finance occasionally has brief outages — try again in a few minutes.

I added the wrong ticker — how do I fix it?

Tap the holding row to open the edit modal, then change the ticker to the correct one. The price will refresh automatically when you save.

The screenshot import didn't find my holdings — why?

Make sure the screenshot clearly shows the ticker symbols. Cropped or blurry screenshots may miss some positions. Try a higher-quality screenshot or add holdings manually.

My Monte Carlo success rate is 0% — is that right?

If your goal is very high compared to your current portfolio and you have few years to retire, the success rate can be near 0%. This is an honest answer — increase your monthly contributions, lower your goal, or extend your retirement timeline.

Can I use the app without internet?

Yes — your data is available offline. Your main profile syncs to the cloud, so the last-saved state is always accessible. Prices won't refresh until you reconnect, but your last-known prices remain displayed.

How do I sign out?

Tap the ⚙ gear icon → scroll to the Account section → tap Sign out. Your data remains safely in the cloud and will restore when you sign back in.

How do I delete my account?

Tap the ⚙ gear icon → scroll to the Account section → tap Delete Account. This permanently deletes your account and all data — holdings, plans, goals, and family profiles. This action cannot be undone. If you need help, email thefinancesanctuary@gmail.com.

I switched to a new phone — how do I transfer my data?

Everything is stored in the cloud. Simply install RetireSmart on your new phone, sign in with the same account, and all your data — main profile, family members, and child profiles — restores automatically. No export or manual re-entry needed.

How do I share the PDF via WhatsApp or Gmail on Android?

Tap Export as PDF, choose a folder (e.g. Downloads), then open your Files or My Files app. Find RetireSmart_Portfolio.pdf, long-press it, and tap Share to send it to WhatsApp, Gmail, or any other app.

Can I import holdings from a spreadsheet?

Yes — use the Batch CSV Import feature. Tap the 📷 camera icon → Paste list, then type or paste your holdings in TICKER,SHARES format (one per line). This is the fastest way to import if you already have a list of your positions.

The "Upgrade to Pro" button isn't working

Make sure you have a working internet connection and are signed in to your Google account on the device. If the paywall opens but the purchase doesn't complete, check that Google Play is up to date and your payment method is valid. If the problem persists, tap Restore purchases on the paywall — if you've already subscribed, this will recover your access. Still stuck? Email thefinancesanctuary@gmail.com.

The app shows "Something went wrong"

This is RetireSmart's safety screen — it appears if the app hits an unexpected error, so you never see a frozen or blank screen. Tap Restart App and the app will reload with all your data intact (everything is saved to the cloud as you go). If it keeps happening, email thefinancesanctuary@gmail.com with what you were doing when it appeared.

I forgot my password — how do I reset it?

On the sign-in screen, enter your email address, then tap Forgot password? below the password field. We'll email you a 6-digit code — enter it on the reset screen along with your new password, then tap Reset Password. You'll be signed in automatically. The code expires in 1 hour; if it doesn't arrive, check your spam folder or tap Resend code. If you signed up with Google, use Continue with Google instead — Google accounts don't use a password.

How do I cancel my subscription?

Subscriptions are managed by Google Play. To cancel: open the Google Play Store → tap your profile icon → Payments & subscriptions → Subscriptions → RetireSmart → Cancel subscription.