For and by people who take retirement seriously
RetirementIQ
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Retirement income planning has many moving parts — Social Security timing, Roth conversions, tax-aware drawdown, taxes, Medicare costs, withdrawal order, legacy goals, and for many, disability income. They all interact. A simple calculator can't capture that — and for most people, a financial advisor isn't the answer either. RetirementIQ sits in between: a complete, private model of your retirement that you can understand, trust, and actually follow.
Try it free · Decide when you're ready
30-Day Free Trial · Full Access · No Card Required
Every feature unlocked. Enter your own numbers from day one.
No restrictions, no read-only demo — the real thing for 30 days.
No restrictions, no read-only demo — the real thing for 30 days.
First 2 weeks
$29
Early adopter price
one-time · all features
→
Trial weeks 3–4
$39
one-time · all features
→
After trial
$49
one-time · all features
No credit card for trialOne-time purchaseAll future updates freeYour data never leaves your device
💡 About the trial
A new plan starts blank — you enter your own numbers, or load a pre-built Example Family (The Clarks, The Lees, The Washingtons) to explore right away. Edit every number, run your own scenarios, and enter your real data — nothing is locked. Buy for $29 during your first two weeks, $39 during trial weeks three and four, or $49 anytime after.
Also available as a native app
iPhone & iPad
Free to download · Full unlock $69.99 one-time in-app purchase
What makes this differentBuilt for you, not your data
Most retirement tools are free because you — or your data — are the product. We make money once, when you buy. After that, our only interest is that the tool works well for you.
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What makes this different
Built for you, not your data
Most retirement tools are free because you — or your data — are the product. We make money once, when you buy. After that, our only interest is that the tool works well for you.
Private by design
Every calculation happens on your device — in your browser on the web, or inside the app on iOS. Your financial numbers never touch our servers. We technically cannot see your data because we never receive it.
Pay once, own it
No subscription. No annual renewal. No price increases. Pay once and use RetirementIQ for as long as you want — including all future updates to the current app, at no extra charge.
Verified accuracy
4,137 automated tests verify every calculation against IRS, SSA, CMS, and HHS sources. Each test category shows the formula, statutory basis, and source links in our open Validation Report. Regulatory data is monitored weekly and updated automatically.
No hidden agenda
We don't give investment advice. We don't sell financial products. We give you a modeling tool and get out of the way. What you do with the results is entirely your decision.
What it modelsEverything that shapes your retirement
RetirementIQ models the full complexity of retirement finances — the same calculations a good advisor would run, available to you directly.
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What it models
Everything that shapes your retirement
RetirementIQ models the full complexity of retirement finances — the same calculations a good advisor would run, available to you directly.
Inputs & costs
The accounts, income, property, annuities, taxes, and healthcare that go into the model.
Your Real Account Mix
Pre-tax (IRA, 401(k), 403(b), 457(b)), Roth (including Roth 401(k)), taxable brokerage, cash/HYS, HSA, inherited pre-tax and inherited Roth IRAs, non-qualified annuities, and gradual-release contracts like TIAA Traditional — each with its own return rate and tax treatment, owned by you or your spouse. Cash and pre-tax accounts can hold a fixed-income ladder. Inherited accounts follow the SECURE Act 10-year distribution and are excluded from Roth conversion modeling. Your actual account mix, modeled precisely.
Income Events & Streams
Recurring income streams (rental, consulting, dividends) with per-stream tax treatment, inflation, and date ranges. One-time events for asset sales with capital gains or ordinary income (severance, bonus).
Real Estate
One place for the home and rentals: appreciation, property tax, mortgage interest, 27.5-year depreciation, §1250 recapture, the §469(i) allowance and §469(g) release, NIIT, and estate inclusion. Sell the current home and buy the next — even if you move more than once.
Gradual-Release Annuities
Model contracts whose money comes out over several years instead of all at once — TIAA Traditional, stable-value funds, and multi-year guaranteed annuities. The locked balance is excluded from withdrawals until released, its RMD share is satisfied from the contract, and it's exempt from Monte Carlo volatility. Rollover destinations are limited to schedules under 10 years per IRC §402(c)(4)(A).
State Income Tax
Progressive brackets for all 50 states + DC. Social Security exemptions, retirement income exclusions, and age-gated deductions modeled per state.
Medicare & Healthcare
Current IRMAA surcharge brackets modeled year by year. Pre-Medicare gap with six source options. ACA Marketplace subsidy based on projected MAGI. Long-term care with insurance inflation protection.
Decisions
The moves worth testing before you make them.
Strategy Report Card
Auto-tests 15+ alternative strategies — SS timing, Roth conversions, Tax-Aware Drawdown, cash reallocation, relocation, 0% CG harvesting, tax-loss harvesting, itemized deductions, DAF charitable bunching, and combined plays like Roth 22% + Drawdown 24%. Ranked by your goal: max net worth, min taxes, max Social Security, or max tax-free legacy (for heirs). One click to apply.
Roth Conversion Ladder
Hundreds of strategies ranked by lifetime taxes saved, RMD reduction, and net worth impact. Built-in 5-Year Rule Tracker, Break-Even Tax Rate (BETR), IRA basis tracking for nondeductible contributions, and conversion tax source modeling — choose whether taxes come from cash, brokerage, or IRA withholding.
Tax-Aware Drawdown
Voluntarily pull from pre-tax accounts during the low-bracket years before RMDs to fill a target tax bracket. IRMAA-aware. Stacks with Roth conversions — Roth fills first, drawdown fills the rest. Proceeds land in brokerage with full cost basis for stepped-up basis at death.
Social Security Modeling
Claim timing from 62 to 70, spousal and survivor benefits, breakeven analysis, SSDI integration, and retirement earnings test for early claimers who keep working.
Pension & Annuity Decisions
Compare a pension lump-sum buyout against the guaranteed annuity — after-tax present value and break-even age — and convert part of your portfolio into a guaranteed lifetime income floor with an immediate annuity (SPIA). One-click Apply writes your choice into the plan.
Maximum Spending
Find the highest sustainable retirement spending that keeps your money lasting. Full-engine binary search across taxes, RMDs, IRMAA, and every other factor.
Cash Buffer (Bucket Strategy)
Hold months of expenses — or a set amount or % of your portfolio — in cash and let RetIQ maintain it automatically: spend from it first, refill from the portfolio (taxable first by default), deploy surplus to brokerage. An optional cap keeps it from becoming a drag, re-evaluated at each year's value. Sequence-of-returns protection for early retirement, proven in Monte Carlo.
Outlook & rules
The year-by-year view, the required minimums, and your backup.
This Year + Retirement Preview
Tabbed Working / Retirement views of your current year's cash flows. Account Transfers section for Roth and TAD moves, standalone healthcare, info icons, and a Net Cash Flow bar. When retirement is within 5 years, toggle between both views.
RMD Calculations
SECURE 2.0 compliant, using the IRS Uniform Lifetime Table. Know your RMD start age and annual amounts years in advance.
Export & Save
A complete JSON or offline HTML snapshot of your plan, or projection tables as CSV for Excel or Sheets. Your data, your way.
Risk
The stress tests behind the verdict.
Monte Carlo Simulation
Three simulation models — Normal, Historical Bootstrap (1928–2024), and Stress Test — with up to 2,000 scenarios each. Understand your real probability of success across gentle, realistic, and extreme market conditions.
Scenario & Stress Test
Up to 12 named scenarios — depending on your current age and spending mode — plus an allocation-aware bear market stress test. See the long-term impact of any decision — or a sudden market crash — immediately.
Survivor Planning Center
Dedicated Risk → Survivor workspace with three views. A Survivor Resilience sweep runs the projection with either spouse dying in every year and gives a Strong / Thin Margins / At Risk verdict (also on the Overview) — so you know a recommended plan won't collapse if one of you dies unexpectedly. Plus impact analysis with a longevity check and three-futures comparison, strategy optimization that identifies robust vs. fragile decisions, and Adopt Plan to restructure for single-person planning in either direction — including preparing an optimized roadmap for your surviving spouse.
Legacy & protection
What you leave, who receives it, and the protection around it.
Estate & Legacy
The estate, net-to-heirs, annual gifting, and the early-passing scenario. See what heirs keep after tax and how the plan-end state’s estate and inheritance taxes apply.
Life Insurance
Term and permanent policies with premiums in expenses and tax-free death benefits (IRC §101) that deposit into survivor accounts. Integrates with legacy composition.
Guidance
Help when you want it; quiet when you don’t.
Learn & Guidance
RetIQ explains itself. A built-in glossary of 82 retirement concepts — with the live numbers from your own plan and a legal or published source for each. Guided tours walk through the example families step by step. A 3-minute Retirement IQ Check maps what you know, and one Guidance setting (Off / Light / Guided) controls how much help appears. The ? button explains the screen you are on. Never advice, always plain English.
AI Guide
Ask questions about your plan in plain English. Built-in templates give instant answers with your real numbers. Connect your own API key from Claude, GPT, Gemini, or 5 other providers for deeper questions. Your key stays in your browser — privacy first. Guided Workflows still available for step-by-step planning.
Simple / Full Mode
Two UI modes, one engine. Simple gives you a streamlined five-workspace view for quick planning. Full opens all seven workspaces with every advanced feature. Toggle anytime — your numbers never change.
Example Plans
Three pre-built families spanning simple to complex — Social Security reliance, Roth optimization with HSA, and full-complexity with pension, estate tax, and LTC. See what’s possible before entering your own numbers.
Come back any time — next week or next year. Your model evolves with you, your cost doesn't.
Life changes. Markets shift. Plans improve. RetirementIQ is built to come back to.
PrivacyWhat we collect — and what we don't
We know that sharing retirement numbers requires trust. Here's exactly where things stand.
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Privacy
What we collect — and what we don't
We know that sharing retirement numbers requires trust. Here's exactly where things stand.
Your email address
On the web, collected at purchase via Stripe checkout — used solely to deliver your license key. On iOS, we collect no email at all — Apple handles everything. We don't send marketing emails. Ever.
Your license key
A record that you purchased, stored in our license database. No usage tracking, no session data, no behavioral analytics attached to it.
Your financial data
Never collected. Your balances, income, Social Security estimates, and projections live only on your device — in your browser's local storage. We have no access to any of it.
Full transparencyWhat RetirementIQ is — and isn't
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Full transparency
What RetirementIQ is — and isn't
✓
A powerful financial modeling tool — showing you how your retirement savings are likely to behave across a wide range of market conditions, tax scenarios, and spending decisions.
✓
Fully offline. The web app works without an internet connection after first load. The iOS app is offline from installation. Export your plan and it works anywhere, on any device, forever.
✓
Automatically updated for current tax law. Federal and state tax brackets, RMD tables, IRMAA thresholds, contribution limits, and Social Security parameters are monitored weekly from official IRS, SSA, and CMS sources and refreshed automatically — you always have the latest numbers. State taxes use progressive brackets with SS exemptions and retirement income exclusions.
✗
Not financial advice. RetirementIQ shows projections based on the numbers you enter and the assumptions you choose. It doesn't know your full situation, and it doesn't recommend specific actions. That judgment is yours — or your advisor's.
✗
Not a crystal ball. Markets are unpredictable. The Monte Carlo simulation shows a range of outcomes — including difficult ones — so you can plan with realistic expectations, not false certainty.
Ready to see your path clearly?
Start your free 30-day trial — full access, no credit card.
Enter your own numbers from day one.
Your model evolves with you, your cost doesn't.
No card requiredOne-time paymentUpdates included