DaveSave
Retirement Saving & Spending Calculator
Plan your saving. Optimize your spending. Design and test your retirement plan locally on your device. Powerful Monte Carlo simulations ensure accuracy. Simple, free, and private — with no ads and no data sharing.
Available 2026
Why DaveSave?
DaveSave is an app I wrote after being dissatisfied with all the retirement calculators out there.
Other calculators were either too simple (fixed rates and unrealistic estimates), too complex (too many inputs and too much focus on pretty graphs), or too expensive (over $100 a year for a calculator).
So I wrote DaveSave, a tiny app that performs exceptionally accurate calculations, is easy to install & uninstall, and does not share your information—all calculations are done locally on your device.
What DaveSave Is
- Useful Precisely estimate how much you can spend each year and still make your savings last. Find your optimal social security age. Determine how long you can stay retired. Calculate the investment return needed to make your plan work. And more...
- Hard Core Can perform up to 2 billion Monte Carlo simulations of your plan (that's overkill but is an option for DIYers). Professional Monte Carlo calculators use as few as 300.
- Accurate Generates statistically accurate Gaussian-distributed values for inflation and investment return using a fast efficient Marsaglia Polar method. For 2 billion runs, with 35 years of calculations each run, with variable inflation and investment return, that's 140 billion unique random numbers generated. No other retirement calculator does that.
What DaveSave Is Not
- Not a Tax Manager Tax laws are complex, vary by jurisdiction, and change frequently. DaveSave is not intended to estimate, calculate, or manage your taxes. A simple tax-rate feature may be added in the future, but the app is not a tax solution.
- Not a Financial Advisor This app is an educational tool to help you explore retirement ideas. It is not financial, investment, tax, or legal advice. Always consult a qualified professional before making financial decisions.
- Not a Money Maker The plan is to keep the Windows version of DaveSave free forever. In the future I might create a paid iOS version, which will give folks who appreciate DaveSave a way to say thanks.
Legal: I am not a fan of legalese, but this is important. In my testing and regular use, the app has worked accurately for me. But despite rigorous testing, I am one developer and cannot guarantee results for everyone. The software is provided “as is,” without warranties, express or implied. I do not guarantee the accuracy, completeness, reliability, or fitness for any particular purpose. You assume all risk for decisions made using this app, and I am not liable for any losses or damages arising from your use of the app.