RetIQ has grown a lot. A year ago it was a single-page calculator. Today it’s a full retirement planning engine — year-by-year projections, Roth conversion analysis, RMD and IRMAA modeling, ACA subsidies, survivor planning, Monte Carlo simulation, a relocation analyzer, and a Flow tab that shows a year of your plan in one picture.
That’s a good problem to have, but it creates a real one for new users: there is more to explore than anyone can cover in a weekend. Our old 7-day trial quietly punished exactly the people we built this for — the ones who want to enter their real numbers, run their real scenarios, and get comfortable before paying. When the app was small, seven days felt generous. Now it feels like a countdown timer sitting next to a library.
So we’re changing it. We’d rather give you time than pressure.
30 days, three prices, zero rush
The free trial is now 30 days — full access to every feature, no credit card required, exactly as before. And because we appreciate that getting acquainted takes time, the price now scales with that time instead of punishing it:
One-time purchase. No subscription, no renewal, no fine print. The price simply reflects how far along you are in getting to know the app — nothing about the product itself changes between tiers, and you never lose features mid-trial.
Why the tiers?
When RetIQ launched, the launch discount for deciding fast made sense: the app was small enough to judge in a week, and a fast decision helped us learn what early adopters needed. As the app has grown more capable, that logic flipped. Now the people who need the most time are the people doing the most careful planning — the people we most want to keep. Charging them the full price because they were diligent felt wrong.
Extending the $29 window to two weeks and adding two more trial weeks at $39 does three things: it gives everyone a real month to make a decision, it keeps a genuine discount for the people ready to commit early, and it never puts you in the position of “the trial’s up and I haven’t even started.”
What to do with the extra time
If you just started a trial, here’s what we’d point you at — roughly in the order most people find them useful:
1. Enter your real numbers. The projection is only as good as the inputs, and every field is editable from day one. 2. Watch the year-by-year table. This is the heart of RetIQ — income, taxes, Social Security, Medicare, and withdrawals, year by year, and why they change when they change. 3. Try the Strategy Report Card. It tests Roth conversion and drawdown strategies against your plan and shows the lifetime tax difference. 4. Open the Survivor Planning Center. Most tools ignore this; it’s one of the reasons people say RetIQ feels like it was built by someone who actually thought about retirement. 5. Run the relocation analyzer if you’ve ever wondered what another state would do to your taxes. And 6. pull up the Flow tab to see a single year of your retirement as one readable picture.
There’s a month’s worth of exploring in there. That’s the point.
If you’re already a customer, nothing changes — your license is yours for life, including every future update. This is about how we welcome new people, not how we treat the ones who’re already here.
Start your 30-day trial — no account, no card required. Your data never leaves your device.
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