Retirology

The product is retirement planning software that models the full arc from accumulation to drawdown and stress-tests plans against market sequences, tax rules, and spending assumptions. It is for individual consumers planning for financial independence and early retirement who need detailed tax and withdrawal modeling. It is positioned as an affordable one-time purchase alternative to subscription-based planners such as YNAB, Monarch, ProjectionLab, and Boldin, running locally with no accounts.

Key features

• Multi-bucket accumulation modeling
• Per-account growth rates and employer match
• Inflation-adjusted projections
• Budget analyzer for FI target
• Year-by-year drawdown simulation
• MAGI strategy and ACA optimization
• SEPP 72(t) modeling
• RMD modeling
• Social Security claim age modeling
• 51-state and locality tax modeling
• Four federal filing statuses
• Roth conversion ladders (4 modes)
• Year-by-year conversion schedules
• Monte Carlo normal-distribution sampling
• Historical bootstrap mode 1928-2024
• Historical stress tests (1929, 1973-74, 2000, 2008, 2022)
• Sankey cash flow visualization
• Multi-scenario side-by-side comparison
• Four-step onboarding wizard