RetireIQ Pro
401k, Drawdown & Monte Carlo
Only for iPhone
Free · In-App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Will your retirement savings actually last? Run thousands of market scenarios, compare strategies side by side, and know your real odds.
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.
Ratings & Reviews
- This app has not received enough ratings or reviews to display an overview.
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.
The developer, Linda Felgenhauer, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Provider
- Linda Felgenhauer
- Size
- 2.3 MB
- Category
- Finance
- Compatibility
Requires iOS 18.5 or later.
- iPhone
Requires iOS 18.5 or later. - Mac
Requires macOS 15.5 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.5 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- RetireIQ Pro USD 9.99
- Copyright
- © 2026 Linda Felgenhauer
