RetirementIQv9.1.0

About the app

One private model of your whole retirement.

It carries your income, taxes, Social Security, Medicare and withdrawals through every year to the end of the plan — so the questions that matter are answered from one model, not six calculators. It runs entirely on your device.

4,137checks against IRS, SSA, CMS and HHS sources
2026tax year rules, updated as they publish
0accounts, trackers or cookies in the app
30days free to try, no card required

Will it last?

The first question, answered year by year rather than as one balance.

See what's modelled
Income events & streamsSocial Security & claimingRMDsWithdrawal orderCash bufferMonte CarloMaximum spendingRoth conversions

What should I change?

The levers, their cost, and which ones actually move your plan.

See what's modelled
Strategy report cardTax-aware drawdownScenarios & stress testsState income taxMedicare & IRMAARelocationRetirement age

What do my heirs keep?

What's left, who pays tax on it, and what it cost to arrange.

See what's modelled
Estate & legacySurvivor planningLife insuranceReal estateCharitable giving & QCDStep-up basis

Private by design. Your plan never leaves your device — no account, no sync, no analytics in the app. Every calculation is published with its statutory source in the Validation Report, and the security posture is set out in Security.

What it isn't

It isn't a robo-advisor, a broker or a substitute for advice. It doesn't recommend investments, sell products or manage money — it's a modelling tool: you bring the numbers, it shows you what they imply.

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