--- title: "RetirementIQ — App Overview" url: https://marlvel.ai/apps/retirementiq category: Finance developer: Alex Bortvin platforms: ios rating: N/A (0 ratings) pricing: paid report_level: overview generated: 2026-05-04 last_verified: "2026-05-04T08:49:43.739Z" --- > **Key Insight:** RetirementIQ is a specialized, one-time purchase macOS tool that keeps sensitive financial planning data strictly local. | Metric | Value | |--------|-------| | Category | Finance | | Rating | N/A ★ (0) | | Pricing | paid | | Platforms | iOS | | Latest Version (iOS) | 1.1 | | Developer | Alex Bortvin | ## What is RetirementIQ? RetirementIQ is a native macOS retirement decumulation planner designed for local, privacy-focused financial modeling. It enables users to perform complex projections, including tax modeling and Social Security optimization, without requiring cloud connectivity or user accounts. ## Key Features - **4-Bucket Withdrawal System**: Models withdrawals across Pre-Tax, Roth, Brokerage, and Cash/HYS accounts. - **Tax and Social Security Modeling**: Calculates federal and state income taxes alongside Social Security claiming strategies and Medicare IRMAA surcharges. - **Monte Carlo Simulation**: Provides three distinct models to stress-test retirement projections. - **Privacy-First Architecture**: Operates entirely offline with zero telemetry, no account requirements, and enforced app sandboxing. ## Who is it for? Individuals planning for retirement who prioritize data privacy and native macOS performance for complex financial simulations. ## Links - [App Store](https://apps.apple.com/us/app/retirementiq/id6760619889?mt=12&uo=4) - [Full Intelligence Report](https://marlvel.ai/apps/retirementiq) --- *This is an overview report. Sentiment analysis, competitive landscape, and SWOT analysis are available in the [full intelligence report](https://marlvel.ai/apps/retirementiq).* *Generated by [Marlvel.ai](https://marlvel.ai) — Independent app intelligence.*