RetireIQ Pro
401k, Drawdown & Monte Carlo
Price history
About
Plan your retirement with advanced tools used by financial planners. Model 401(k) growth, plan your spending in retirement, and run simulations to understand potential outcomes. Compare different strategies and export your plans.
What's New in RetireIQ Pro
2.0
July 11, 2026
RetireIQ Pro just got a major upgrade — here's what's new: INTERACTIVE CHARTS Drag to inspect any point, pinch to zoom, and scroll through your 401(k) growth and drawdown projections in detail. MONTE CARLO SIMULATION Run thousands of randomized market scenarios instead of one fixed guess, with a percentile band showing your realistic range of outcomes and success rate. SAVE, LOAD & COMPARE PLANS Save any scenario as a named plan, load it back anytime, and compare two or more side by side. COMPARE STRATEGIES - Withdrawal order: taxable-first vs. pre-tax-first vs. Roth-last - Social Security claiming age: 62 vs. 67 vs. 70 - Live sensitivity analysis on your return assumptions REQUIRED MINIMUM DISTRIBUTIONS Drawdown now models RMDs starting at age 73, including forced withdrawals and reinvestment. PDF & CSV EXPORT Export a polished PDF report or a full CSV breakdown of any scenario to share, print, or archive. PRIVACY & SECURITY - Your plans can now sync privately across your devices via iCloud - Optional Face ID / passcode lock to keep your numbers private We've also added a quick walkthrough for first-time users and support for viewing your drawdown in today's dollars. A NOTE ON PRICING The 401(k) Growth and Drawdown calculators remain free, along with your first saved plan. Monte Carlo, all strategy comparisons, and PDF/CSV export are now part of a one-time Pro unlock, but if you already had the app before this update, you keep free access to everything you already had. No subscription, ever. As always, thanks for using RetireIQ Pro. This app is a planning tool based on your own inputs and not financial, tax, or legal advice.
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FAQ
What is RetireIQ Pro?
RetireIQ Pro is a financial planning tool that allows users to model their retirement savings growth, plan spending in retirement, and run simulations to assess success probabilities. It offers features similar to those used by professional financial planners.
How does RetireIQ Pro handle my financial data?
RetireIQ Pro is designed with privacy in mind. Your financial data stays on your device and syncs privately through your iCloud account. It is never sent to the developers. You can also enable Face ID or passcode lock for added security.
What are the costs associated with RetireIQ Pro?
RetireIQ Pro is free to download and offers full access to its 401(k) growth and drawdown calculators. A one-time purchase is required to unlock advanced features like Monte Carlo simulations, strategy comparisons, and PDF/CSV export.
Does RetireIQ Pro offer a subscription model?
No, RetireIQ Pro does not use a subscription model. The core features are free, and advanced functionalities are unlocked with a single, one-time purchase.
What devices does RetireIQ Pro support?
Currently, RetireIQ Pro is supported on iPhones. The app was last updated on July 11, 2026, indicating ongoing development and potential for future platform expansion.
How often is RetireIQ Pro updated?
The latest version of RetireIQ Pro, 2.0, was released on July 11, 2026, shortly after its initial release on July 8, 2026. This suggests a recent and active development cycle for the application.
Is RetireIQ Pro suitable for beginners in financial planning?
While RetireIQ Pro uses tools similar to financial planners, its detailed modeling and simulation features may be best suited for users who have a foundational understanding of financial concepts. The app provides a powerful way to explore various retirement scenarios based on user inputs.
What kind of financial planning does RetireIQ Pro focus on?
RetireIQ Pro focuses on long-term retirement planning. This includes modeling the growth of retirement accounts like 401(k)s and IRAs, planning how to withdraw funds during retirement, and assessing the probability of financial success through simulations.