RetIQ

RetIQ

Private retirement planner

1 ratings
1 review
Free
In-App Purchases

Details

  • Released
  • Updated
  • March 18, 2026
  • September 10, 2026

Features

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RetIQ screenshot #10 for iPhone
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About

This app helps you plan your retirement income by modeling complex financial interactions like Social Security timing, Roth conversions, and tax-aware withdrawal strategies. It performs all calculations locally to ensure your financial data remains private and secure on your device.

✓Private, local financial data processing
✓Social Security timing and spousal benefits
✓Roth conversion optimization
✓Tax-aware drawdown strategies
✓Survivor and legacy planning
✓Medicare IRMAA surcharge modeling
✓Monte Carlo simulations
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What's New in RetIQ

3.15

September 10, 2026

A Smarter Plan Health Verdict — and a Way to Try It Free The Dashboard's plan verdict now looks past a single lucky average: it runs your plan against hundreds of market scenarios and tells you how likely your money is to last the whole plan — and how far it lasts at 90% confidence. A plan that only survives the good markets gets flagged for what it is. New in this update: • Example plans, free. See everything RetIQ can do before you build your own plan — open a fully-populated sample family (including a new self-employed, Solo-401(k) example) and browse every feature read-only: Monte Carlo, scenarios, survivor planning, the optimizer, and more. Your own plan stays untouched. • A cleaner Projection screen — the chart's series buttons are always visible, the data table has an on/off switch, and landscape now works end to end. • Scenarios respect Today's dollars — toggle between future dollars and today's purchasing power and the comparison values follow. • An AI-tuned engine refresh keeps every projection aligned with the web app.

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Subscriptions & In-App Purchases

$69.99

RetIQ Full

Unlock all advanced retirement planning features.

User reviews

Very Impressed

RetIQ is an impressive retirement planner, especially for the price. I also use Boldin, which costs me $144 per year, while $69 buys the entire RetIQ suite. After setting both up carefully, RetIQ’s projections came surprisingly close to Boldin while still giving me Social Security, Roth conversions, RMDs, Medicare, taxes, survivor planning and Monte Carlo analysis. Boldin is more polished and easier to learn, but RetIQ offers tremendous depth and value. I’d be comfortable using RetIQ as my primary retirement planning tool going forward.
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FAQ

How secure is RetIQ with my financial data?

RetIQ performs all calculations locally on your device. Your financial data never leaves your phone, ensuring complete privacy and security. The developers cannot access your numbers.

What are the pricing options for RetIQ?

RetIQ offers modular pricing. You can start for free with core planning features and the AI Guide. Additional modules or a full unlock can be purchased individually. All future updates are included with your purchase.

Does RetIQ have ads?

RetIQ is ad-free. As it is a free app with optional in-app purchases, you can use the core features without encountering advertisements.

What kind of retirement scenarios can RetIQ model?

RetIQ models complex scenarios including Social Security timing, Roth conversions, tax-aware drawdown, survivor benefits, Medicare IRMAA surcharges, and legacy goals. It also includes Monte Carlo simulations for probability analysis.

How often is RetIQ updated?

RetIQ was last updated on September 10, 2026, with version 3.15. The developer includes all future updates with any purchase, suggesting a commitment to ongoing development.

What devices does RetIQ support?

RetIQ is available for iPhone and iPad, making it accessible to a wide range of Apple users.

What is the age rating for RetIQ?

RetIQ has an age rating of 4+, indicating it is suitable for users of all ages and does not contain mature content.

How does RetIQ's AI Guide work?

The AI Guide is free on every tier of RetIQ and can answer questions about your retirement plan. You can use the built-in guidance or optionally connect a cloud AI provider with your own key, which is never stored by RetIQ.