This is the future home of the DaveSave app.

It's the first time I'll be sharing an app for other people to use, so I'm quadruple-checking everything before I publish it to the Windows Store.

Stay tuned...

DaveSave
Retirement Saving & Spending Calculator

        Available December 2025

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 (I'm not paying $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

• Hard Core Can perform up to 2 billion Monte Carlo simulations of your plan. Other professional Monte Carlo calculators use as few as 300.
• Accurate Can generate 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.
• Useful Precisely estimates how much you can spend each year and still make your savings last. It can also find your optimal social security age, determine how long you can stay retired and make your savings last, what interest rate you will need to make your plan work, and more...

What DaveSave Is Not

• Not a Tax Manager Tax laws are complex, vary widely from place to place, and are always changing. So DaveSave doesn't try to manage your taxes. In the future, I might add the ability to add a simple tax rate, but even then, the app will never be designed to manage your taxes.
• Not a Financial Advisor The app can help you test a variety of ideas for creating your best retirement plan. You can then take those ideas and discuss with your financial advisor. Do not rely on this app alone.
• Not Guaranteed In my testing and frequent usage, the app is far more accurate than any other software I've used at any price. However, I am just one guy. I don't have a team of programmers and quality control software engineers. It's just me writing an app that works for me. Hopefully you'll find it useful too.

How To Use DaveSave

SAVING

1. Enter what you know:
   • beginning balance $
   • current age
   • investment return %
   • investment variability % (i.e. standard deviation)
   • and so on...
2. Click the button next to the thing you want to solve for:
   • final savings balance $
   • investment return %
   • beginning balance $
   • and so on...
3. Then the app gets to work:
   • Calculates every year of your plan from beginning to end.
   • For each year, it generates a unique value for investment return and applies it.
   • After completing every year of your plan (one simulation run) it then repeats the process for the next simulation run.
   • It will run as many complete simulations of your plan as you tell it to run (default is 100,000 but you can set it for as many as 2 billion).
   • Once complete, you will see the median and average final balances, as well as the calculated value you asked it to solve for.

SPENDING

1. Enter what you know:
   • beginning balance $
   • current age
   • beginning retirement age
   • final retirement age (SSA.gov has a life expectancy calculator here)
   • beginning Social Security age
   • and so on...
2. Click the button next to the thing you want to solve for:
   • beginning balance $
   • beginning age
   • final age
   • optimal beginning Social Security age
   • investment return %
   • and so on...
3. Then the app gets to work:
   • Calculates every year of your plan from beginning to end.
   • For each year, it generates unique values for inflation and investment return, adds your pension and Social Security, subtracts your spending, applies your investment return, and calculates the ending balance for that year.
   • It calculates your investment return, and final balance for that year.
   • After completing every year of your plan (one simulation run) it then remembers if that run passed (positive balance) or failed (negative balance).
   • It will run as many complete simulations of your plan as you tell it to run (default is 100,000 but you can set it for as many as 2 billion).
   • Once complete, you will see the median and average final balances, the Probability of Success %, and the calculated value you asked it to solve for.