RetireIQ Pro

RetireIQ Pro helps you plan retirement with the same tools financial planners use, without the planner.

401(K) GROWTH
Model your 401(k) or IRA growth with real inputs: salary, contribution rate, employer match tiers, vesting schedules, pay frequency, and fees. See exactly how your balance compounds year by year.

DRAWDOWN PLANNING
Plan how you'll spend down your savings in retirement across pre-tax, Roth, taxable, and HSA accounts. Model Required Minimum Distributions (RMDs) starting at age 73, Social Security timing, inflation, and taxes: see if your money lasts as long as you do.

MONTE CARLO SIMULATION
Instead of one fixed guess about market returns, run thousands of randomized scenarios to see a realistic range of outcomes and your actual probability of success.

COMPARE STRATEGIES SIDE BY SIDE
- Compare withdrawal orders (taxable-first vs. pre-tax-first vs. Roth-last) to see which minimizes lifetime taxes
- Compare claiming Social Security at 62, 67, or 70
- Run sensitivity analysis on your return assumptions in real time

SAVE, COMPARE, AND EXPORT
Save any scenario as a named plan, compare two or more side by side, and export a polished PDF or CSV report to share, print, or archive.

PRIVATE BY DESIGN
Your financial data stays on your device and syncs privately through your own iCloud account, never to us. Optional Face ID / passcode lock keeps your numbers private even if someone else picks up your phone.

RetireIQ Pro is free to download with full access to the 401(k) growth and drawdown calculators. A one-time purchase unlocks Monte Carlo simulation, all strategy comparisons, PDF/CSV export, and unlimited saved plans. No subscription.

This app is a planning tool based on your own assumptions and inputs. It is not financial, tax, or legal advice. Please consult a licensed professional for advice specific to your situation.