# RetireIQ Pro — 401k, Drawdown & Monte Carlo > Retirement planning simulator with 401k, drawdown, and Monte Carlo analysis. (iPhone/iPad app by Linda Felgenhauer.) - Source: https://appshunter.io/ios/app/retireiq-pro/id6786990016 (this page in markdown: same URL + `.md`) - Developer: [Linda Felgenhauer](https://appshunter.io/developer/1702957400) - Category: Finance, Productivity - Price: Free (on sale, was $2.99) - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 18.5 · 2 MB - Languages: American English - Released: 2026-07-08 - Data updated: 2026-07-22 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/retireiq-pro/id6786990016/reviews.md ## What is 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. ## Key features - Model 401(k) and IRA growth - Plan retirement spending and withdrawals - Run Monte Carlo simulations - Compare withdrawal and Social Security strategies - Export plans to PDF/CSV - Private data storage on device ## Frequently asked questions about RetireIQ Pro ### 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. ## Version history (last 2 releases) ### 2.0 — 2026-07-11 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. ### 1.0 — 2026-07-08 No release notes. ## More apps by Linda Felgenhauer - [UFO Annihilator](https://appshunter.io/ios/app/ufo-annihilator/id6462839340) All apps by Linda Felgenhauer: https://appshunter.io/developer/1702957400 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-22.*