同行 TwoRetire

存在你自己的 iCloud 帳號裡(Apple CloudKit),不會經過任何第三方伺服器,TwoRetire 開發者也無法存取。

設定頁裡選「邀請配偶」,產生一組 QR code 或連結傳給對方,對方掃描/點開後接受邀請,即可開始共同規劃。雙方都需要安裝 TwoRetire 並登入 iCloud。你可以自行決定每個帳戶要「完全共享」「只顯示總額」或「保持私人」。

看你怎麼設定每個帳戶的可見性——「完全共享」配偶看得到明細跟歷史,「只顯示總額」配偶只看得到目前餘額,「私人」配偶完全看不到。可見性只能往更開放的方向升級,沒辦法設回更嚴格的層級。

不會。資料透過 iCloud 自動同步,新手機登入同一個 Apple ID 後會自動出現。

請確認:1) iOS 設定 → TwoRetire → 通知 → 已開啟。2) app 內設定頁的「季度更新提醒」開關已啟用。這則提醒只有在帳戶超過 90 天沒更新時才會排程。

不是。這是教育與規劃工具,幫助你們夫妻討論退休藍圖,不構成正式的投資、稅務或法律建議,實際決策請諮詢專業顧問。

In your own iCloud account (Apple CloudKit) — it never passes through any third-party server, and the TwoRetire developer cannot access it either.

In Settings, choose "Invite Spouse" to generate a QR code or link to send them. Once they scan it or open the link and accept, you can start planning together. Both of you need TwoRetire installed and signed into iCloud. You choose per-account whether it's "fully shared," "totals only," or "private."

It depends on the visibility you set for each account — "Shared" lets them see full details and history, "Totals Only" shows just the current balance, and "Private" is invisible to them. Visibility can only be upgraded toward more sharing, never downgraded.

Yes. Data syncs automatically via iCloud — just sign in with the same Apple ID on your new phone and your data will appear.

Please check: 1) iOS Settings → TwoRetire → Notifications → Allow. 2) The "Quarterly Update Reminder" toggle in the app's Settings page is on. This reminder is only scheduled once an account hasn't been updated in over 90 days.

No. This is an educational planning tool to help you and your spouse discuss your retirement plan. It doesn't constitute formal investment, tax, or legal advice — please consult a professional advisor for actual decisions.