RetIQ

Retirement income is complicated. Social Security timing, Roth conversions, tax-aware drawdown, withdrawal order, taxes, Medicare costs, RMDs, and legacy goals all interact — and getting any one wrong affects everything else.

RetIQ models all of it. Privately. Accurately. Once.

What RetIQ does RetIQ is a retirement decumulation planner built for people who want to understand their finances — not hand them off. It answers the questions that matter most after you've saved:

When should I claim Social Security? Should I convert to Roth before RMDs hit? Should I draw down pre-tax accounts before RMDs force me to? Which accounts do I draw from, and in what order? How do Roth conversions affect my Medicare premiums? What happens financially if my spouse dies? What's my real probability of not running out of money?

What makes it different Every calculation runs locally on your device. Your financial data never leaves your phone — not during setup, not during planning, not ever. We technically cannot see your numbers because we never receive them.

On-device AI guidance powered by Apple Intelligence answers questions about your plan privately, with no account, no API key, and nothing transmitted off your phone. Cloud AI providers are optionally supported if you prefer to bring your own key.

No subscription. No advisor required. Pay once, use it for as long as you want — including all future updates.

What it models — Tax-Aware Drawdown: fill low tax brackets before RMDs hit, with proceeds reinvested in brokerage at full cost basis — Roth conversion optimizer: hundreds of strategies ranked by lifetime taxes saved — Strategy Report: 10+ alternatives auto-tested and ranked by your goal — Social Security timing from 62 to 70, spousal and survivor benefits, breakeven analysis — Survivor Center: model either spouse's death with filing status change, survivor SS, pension payouts, and life insurance — 5-bucket withdrawal system: pre-tax, Roth, brokerage, cash/HYS, and HSA — Medicare and IRMAA surcharge modeling (Roth conversions and drawdowns affect your premiums) — Monte Carlo simulation with normal and bear-market stress paths — Required Minimum Distributions with SECURE 2.0 rules — Scenarios: 10+ named scenarios including Retire at 40 and Retire at 50, plus allocation-aware bear market stress test — ACA subsidy modeling for pre-Medicare retirees — Progressive state income tax — all 50 states + DC — Pension and annuity income with survivor benefit options — Long-term care costs and insurance modeling — Life insurance with term/permanent policies and tax-free death benefits — Income events, income streams, and one-time expenses — PDF report export from Dashboard — Automated tests verified against IRS, SSA, and CMS sources

Full mode vs. Essentials mode New users start in Essentials — a streamlined view with the most important inputs. Full mode unlocks every feature for complete, granular control. Same engine, same price.

Verified accuracy Tax brackets, Medicare premiums, contribution limits, and Social Security parameters are sourced from IRS publications, SSA actuarial tables, and CMS Medicare data. The embedded Validation tab shows every test — expected values, actual results, and source citations — so you can verify the math yourself.

RetIQ is a planning tool, not financial advice. All calculations run locally on your device.