RetireFlow

Stop guessing your retirement. Use pro-grade Monte Carlo simulations and our unique backsolver to find your maximum safe spending. Privacy-first.

Ditch the spreadsheets and the static calculators. RetireFlow brings industrial-strength financial modeling to your pocket. Built by an experienced quantitative analyst, RetireFlow doesn't just give you a "number"—it helps you formulate a retirement strategy and truly stress-test it.

WHY RETIREFLOW? Most calculators use "straight-line" math that ignores reality. RetireFlow uses 1,000-run Monte Carlo simulations to model real-world market volatility, inflation, and tax drag. RetireFlow is designed to help guide your financial future from age 20 to the end of your retirement journey.

KEY FEATURES: Monte Carlo Simulation: Project a highly realistic view of your retirement success using 1,000 different paths for inflation and asset returns. Can your plan support your spending target? RetireFlow will give you the probability of success.

The Backsolver: Our signature tool. Instead of asking "Is this enough?", tell the app your desired confidence level and let it calculate exactly how much you can safely spend, or exactly how much more you need to save. You can even solve for a specific ending estate value to plan your legacy!

Real-Dollar Logic: No "inflated" numbers. See your future wealth in today’s purchasing power for total financial clarity.

Privacy-First: RetireFlow operates on a "Zero-Knowledge" architecture. We don't want your data. RetireFlow requires no accounts, no cloud syncing, and no data harvesting by us. All of your financial modeling is processed locally on your device.

Tax-Smart Modeling: Built-in logic for US and Canadian tax brackets (including the Ontario Surtax), ensuring you see your true "after-tax" reality. Handles complex cross-border scenarios—perfect for those who work in one country and retire to another.

Probability Cones: Visualize your future Net Worth with p25-p75 projections and "Worst Case" safeguards.

Private AI Observations: Bring your own API key to generate tailored observations and have an in-app conversation about your plan. Data usage is strictly governed by your agreement with your chosen AI provider. We do not intercept or see this information.

Highly Adaptable: Easily model and compare different life scenarios by adding multiple spending periods, secondary income sources (rental income, part-time jobs), one-off life events, and shifting investment allocations.

TRY IT FOR FREE Run standard, deterministic retirement scenarios completely for free. Unlock the advanced Monte Carlo engine and Backsolver with a RetireFlow Pro subscription.

A RandFact Works Inc. Production. Retirement isn't about scarcity; it's about the permission to spend. Solve your plan today.

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