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RetIQ vs Pralana

Pralana is respected for granular retirement tax and withdrawal modeling. RetIQ is a one-time, local model built around one clear answer.

Where they differ

Depth versus clarity

Pralana exposes a lot of detail and lets you tune assumptions closely. RetIQ keeps engine depth but presents it as an answer first — does the plan last, what changes it — with the detail underneath.

Price model

RetIQ is a one-time purchase. Pralana is licensed by subscription.

Platform

RetIQ runs in the browser and as a native iPhone app, with the plan stored on the device. Pralana's platform and storage model are described on its site.

Where Pralana goes further

Some users will want its finer-grained control over individual tax and withdrawal assumptions.
A longer track record with the spreadsheet-minded planning community.

Where RetIQ is the better fit

You want a permanent licence rather than a recurring one.
You want the model on your phone as well as the web.
You want the Roth, Medicare, ACA and survivor interactions handled in one pass, not configured separately.

Pricing and features change; check Pralana's site for current details. RetIQ is not affiliated with Pralana.

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