We built this because we couldn’t find anything that did what we needed.
Most retirement calculators are too simple — they assume you draw from one account, ignore taxes, and call it a plan. The other option is hiring a financial advisor, which costs money and means handing your numbers to someone else. There wasn’t much in between.
RetirementIQ sits in that gap. It models the things that actually matter in decumulation: which accounts to draw from and in what order, how Roth conversions affect your lifetime tax bill, what happens to your spouse if you die first, when RMDs hit and how hard. It runs Monte Carlo simulations. It factors in state income tax on withdrawals. It does all of this locally, in your browser, without an account or a server ever seeing your numbers.
Every calculation is tested against IRS, SSA, CMS, and HHS published data — 361 automated tests that you can read in the Validation Report. Reference data — tax brackets, Medicare premiums, Social Security bend points, RMD tables — is checked against government sources weekly and updated automatically. If something is wrong, it’s findable.
Privacy is the architecture, not a feature. There’s no account. No sync. No backend that touches your plan. Your numbers stay on your device. You can verify this in browser devtools — there’s no outbound traffic when you’re planning.
The business model is a one-time purchase. No subscription, no upsell, no reason to keep you dependent on the product.
RetIQ is built and maintained by RetIQ Studio LLC, an independent software company in Maryland. It’s available on the web, iOS, and macOS. Apple reviewed and approved the mobile and desktop apps.
Questions or issues: support@retirementiq.app