A retractable towel apparatus is disclosed. The retractable towel apparatus includes a plurality of retractable cord and clip modules, each formed of: a housing configured to house a retractable cord, and a clip, wherein the clip is coupled to the retractable cord. An adjustable bar is coupled to the plurality of retractable cord and clip modules, in some embodiments. Some embodiments include a pivoting portion on the clip coupled to the retractable cord.