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RetIQ

RetIQ

Private retirement planner

1 ratings
1 review
🔧 Utilities
💰 Finance
Free
In-App Purchases

Details

Released
March 18, 2026
Updated
November 5, 2026

Features

Developer

RetIQ Studio LLC
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🧾$69.99
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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 keeps your data private by performing all calculations locally on your device. Start with core features for free and purchase additional modules as needed.

✓Private, local data processing
✓Social Security timing optimization
✓Roth conversion strategies
✓Tax-aware drawdown modeling
✓Survivor and legacy planning
✓AI-powered financial guidance
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What's New in RetIQ

4.9

November 5, 2026

Bring your plan in from another app, an adviser's document, or a photo of a statement — Import from AI shows every figure for review before anything applies. One plan now gives one Monte Carlo result, Gemini keys work again, and the Strategy Report sets a move up rather than applying it.

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Subscriptions & In-App Purchases

$69.99

RetIQ Full

Unlock all advanced retirement planning features.

User reviews

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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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TThipps123

FAQ

How secure is my financial data with RetIQ?

RetIQ prioritizes your privacy by processing all calculations locally on your device. Your financial data never leaves your phone, ensuring it is not seen or stored by the developers. This local processing applies to setup, planning, and ongoing use.

What are the pricing options for RetIQ?

RetIQ offers modular pricing, allowing you to start for free with core planning features and an AI guide. You can then purchase individual specialist modules or unlock all features with a single 'Full Unlock' purchase. All future updates are included with your purchase.

Does RetIQ have ads?

No, RetIQ does not contain advertisements. The app is free to start with and offers in-app purchases for additional modules or full access, ensuring an ad-free planning experience.

What kind of retirement scenarios can RetIQ model?

RetIQ models a wide range of retirement scenarios, including Social Security timing, Roth conversions, tax-aware drawdown strategies, spousal death impacts, and Medicare IRMAA surcharges. It also supports specialized planning for Federal Employees and municipal bond interest.

How does RetIQ handle Social Security planning?

RetIQ allows you to model Social Security claiming from age 62 to 70, including spousal and survivor benefits. It provides breakeven analysis to help you understand the financial implications of different claiming ages.

Can RetIQ help with tax planning in retirement?

Yes, RetIQ features a Roth conversion optimizer that ranks hundreds of strategies by lifetime taxes saved. It also models tax-aware drawdown to fill lower tax brackets before RMDs hit and reinvest proceeds effectively.

What is the AI Guide in RetIQ?

The AI Guide is a feature available on every tier of RetIQ that answers questions about your retirement plan. You can use the built-in guidance or optionally connect a cloud AI provider with your own key for enhanced insights.

What devices does RetIQ support?

RetIQ is available for iPhone and iPad devices, allowing you to plan your retirement on your preferred Apple mobile device.