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.
Overview · Full Intel report in progress
The App DNA
What makes this app unique?
For Individuals planning for retirement who prioritize data privacy and native macOS performance for complex financial simulations.
What does it look like?
Key features
Models withdrawals across Pre-Tax, Roth, Brokerage, and Cash/HYS accounts.
Calculates federal and state income taxes alongside Social Security claiming strategies and Medicare IRMAA surcharges.
Provides three distinct models to stress-test retirement projections.
Operates entirely offline with zero telemetry, no account requirements, and enforced app sandboxing.
How much does it cost?
Velocity
Who built it?
User Sentiment
What do users think recently?
How are ratings & reviews evolving?
Not enough recent reviews to extract reliable themes yet.
Read the full review analysisCompetition
Competitive landscape for RetirementIQ
How's the Finance market?
The rivals identified
The Analyst's Read
Key takeaways for RetirementIQ
Where is it heading?
Bottom line
RetirementIQ is a specialized, one-time purchase macOS tool that keeps sensitive financial planning data strictly local.
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