RetIQ is now modular — pay for what you need. New Modules storefront Browse and buy the features you want from a new Modules screen. Start free with core planning, Monte Carlo, and the AI Guide. Then add what fits you: Essentials — full input control across every section, the complete dashboard (Strategy Report, Insights, Maximum Spending), scenarios, relocation, What-If Explorer, Portfolio Flow, and export. Roth & Tax Optimizer — six conversion strategies, the optimizer (~200 combinations, one-click apply), impact analysis, the marginal rate curve, Tax-Aware Drawdown, and capital gains and loss harvesting. Survivor Planning — Survivor Center with Three Futures at a Glance, Robust vs Fragile strategy analysis, and one-tap conversion of your plan for a surviving spouse. Healthcare & Medicare — ACA Marketplace subsidies, Medicare Part B/D and IRMAA projection, long-term care, out-of-pocket costs, SSDI, and expense phases. Self-Employment & Business — self-employment tax, the QBI §199A deduction, Solo 401(k), SEP-IRA, SIMPLE-IRA, Mega Backdoor Roth, and W-2 income breakdown. Legacy & Estate — a legacy goal with full composition breakdown, life insurance modeling, charitable giving with Donor-Advised Fund bunching, and inherited IRA planning. Or unlock everything with a single Full Unlock purchase at a bundle discount. AI Guide is now free on every tier Ask questions about your plan — Social Security timing, Roth conversions, IRMAA, stress testing, and more — no purchase required. Use the built-in guidance or connect a cloud provider with your own key. Sharper dashboard Focus Areas now starts collapsed for a cleaner first look, and your Trends charts sit above the paid sections so you see useful content immediately. ACA foreign income support Enter a foreign earned income exclusion for more accurate Marketplace subsidy calculations when you or your spouse earns income abroad. More accurate numbers Legacy goal values now follow your Today's $ / Future $ setting consistently, and the app icon has a fresh new look. All your data stays on your device. No account, no subscription. Pay once for what you use, and future updates are always included.

Portfolio Flow — a new interactive diagram on the Dashboard showing where your money moves in any year of your plan: income, Social Security, withdrawals, RMDs, Roth conversions, taxes, expenses, and more. Tap any part for its breakdown; drag the year slider to move through your plan. The What-If Explorer now lets you pick which metric to chart, and overlay several at once. More accurate tax modeling for Roth conversions, including capital gains when conversion taxes are paid from a brokerage account. Plus fixes and refinements throughout.

Maximum Spending A new card shows the highest annual spending your current plan can sustain without running out of money. Relocation analysis Compare your plan across all states to see how state taxes would change your long-term outcome, with a Today's-dollars view. Redesigned Dashboard The Dashboard is now organized into collapsible sections: At a Glance, This Year, Focus Areas, and Projections. Strategy Report The recommended strategy appears at the top with a one-tap Apply, and alternatives are ordered best to worst. New controls let you re-run the analysis or close the report. What-If Explorer Now its own section, easier to find and open. Survivor planning Moved into the Analysis tab with the other scenario tools. (The Monte Carlo tab is now labeled Risk.) Account owner Assign each account to you or your spouse, so RMD timing and survivor planning reflect who owns what. Other fixes - The Today's-dollars toggle now applies consistently across the Dashboard. - Fixed a chart tooltip that could be cut off at the top.

• Pre-Medicare out-of-pocket costs. Model the healthcare you pay out of pocket during early retirement, before Medicare starts — deductibles, copays, and uncovered prescriptions, on top of your premiums. • Post-Medicare out-of-pocket costs. Model what Medicare doesn't cover — Medigap or Advantage and Part D premiums, dental, vision, hearing, copays, and prescriptions. • Set your own Medicare cost inflation. Choose the growth rate applied to Medicare premiums and IRMAA instead of a fixed assumption. • Two new themes, Sepia and Dusk, plus a contrast fix for Dawn.

RetIQ for iPhone now runs the same up-to-date planning engine as the web app. - New: model out-of-pocket healthcare costs beyond Medicare premiums. They flow into your projected spending and into your itemized medical deduction where they apply. - A range of planning inputs and screens are now brought in line with the web planner. - Fixes and refinements, including corrected number formatting in several fields.

RetIQ 3.0 is a complete rewrite — a fully native iOS app built from the ground up in Swift and SwiftUI. Everything looks and feels different. What's new: - Brand-new interface: native iOS screens, native charts, native navigation, smoother performance throughout - On-device AI Guide powered by Apple Intelligence: ask questions about your plan and get answers generated entirely on your phone — no account, no API key, nothing transmitted off your device - Optional cloud AI providers if you'd rather use your own API key - PDF report export directly from the Dashboard Same engine, same accuracy, same privacy posture: every calculation runs on your device. Survivor Center, Strategy Report, Roth Optimizer, Tax-Aware Drawdown, Monte Carlo, Scenarios — all the planning tools from prior versions are here, refined. Customers who purchased earlier versions of RetIQ retain full access for free — no action needed.

Guided Workflows for tax valley optimization, survivor planning, and more. Wider range of retirement scenarios including Retire at 40 and 50. New Plan option in the menu. Improved input layout on smaller screens. Fixed Upgrade button on iPad.

Tax-Aware Drawdown — Voluntarily pull from pre-tax accounts during the low-bracket years before RMDs to fill a target tax bracket. Three modes: Fixed, Fill Bracket, Smart Fill (IRMAA-aware). Stacks with Roth conversions. Proceeds go to brokerage with full cost basis — stepped-up basis at death for heirs. Survivor Planning Center — Model what happens when either spouse passes. Single-filer brackets, survivor SS benefits, pension survivor payouts, life insurance deposits, and expense adjustments. Strategy alternatives tested automatically. Strategy Report Card — Now tests 10+ alternatives including Tax-Aware Drawdown at 22% and 24%, and the combined Roth + Drawdown play. Fixes: Maximum Spending solver works correctly with all expense modes. Scenario comparisons adapt to your active spending mode. CSV and PDF exports include drawdown data. 282 validated calculations against IRS, SSA, and CMS sources.

Improved projection accuracy with consistent nominal dollar accounting Spousal Social Security benefits with early-claiming reduction modeling Investment return settings sync correctly across all accounts Keyboard and input handling improvements Fixed display issues on iPad