The Sage Retirement Planner (SRP) is as secure as your iPad/iCloud. Your data is not sent to any server but remains on your iPad/iCloud.
You are not required to purchase a subscription until you tap Calculate.
SRP is visual. You assets are displayed in charts that make it clear what your finances are on a yearly basis. For those that like details, a spreadsheet is available that displays every category of assets and expenses. This can easily be exported and loaded into Excel or Numbers.
SRP utilizes current U.S. Federal Tax rules, that are updated to reflect the change in Cost of Living Adjustment (COLA), All financial data is entered using the present value (PV) of money and is adjusted to reflect the yearly change in COLA. What does that mean? Lets say your living expenses after taxes are $165,000 per year and you plan on paying for your childrens college education in 10 years. Current estimated college cost is $50,000 and your 2 children will overlap by 2 years. Adjust your living expenses for those 6 years as follows: $215,000, $215,000, $265,000, $265,000, $215,000, $215,000. These values are adjusted to reflect the change in COLA either at a fixed rate or optionally at a random rate using the historical COLA for the last 50+ years. Its as simple as that!
Before purchasing SRP, please read the SRP Terms and Conditions at https://www.apple.com/legal/internet-services/itunes/dev/stdeula/.