For individuals · RetiFlo
Navigate retirement with
calm, informed confidence.
You don't need to predict every market move or know every tax rule. You need a clear picture of where you stand, what lies ahead, and who to call when the current shifts. RetiFlo gives you all three.
Retirement overview · 20+ wellness metrics · Calculated from your actual numbers
§ I
Know where you stand — before it matters.
Most people reach retirement not knowing if their savings are enough. RetiFlo gives you an honest, complete picture now — while you still have time to adjust course if needed.
§ II
Respond to events, not just avoid them.
Markets shift. Expenses change. Plans evolve. RetiFlo is built for the real journey of retirement — not a straight line from savings to spending, but a path you can navigate as it unfolds.
§ III
A steady hand when you want one.
Sometimes knowledge isn't enough — you want someone to talk it through with. RetiFlo's advisor network connects you with professionals who know your plan and can help you move forward with confidence.
What RetiFlo calculates
The depth your plan deserves
Every metric is calculated from your actual numbers — not general assumptions or national averages.
Try a Change
Spend ten percent less. Take less market risk. Convert into a different bracket. Pick one, and see what it does to your ending balance, your withdrawal rate and your lifetime tax bill — before and after, side by side. Nothing is saved until you keep it, and you have thirty days to undo it.
Cash Flow Projection
A clear year-by-year view of income, spending, taxes, and drawdown. Know exactly where gaps might appear — long before they arrive.
Ask About Your Plan
A question in plain words, at the foot of almost every page, answered from your own numbers — why a particular year looks thin, what a figure means, what would change it. Not a chatbot reciting general retirement advice: every answer is drawn from your plan, says which scenario it used, and tells you plainly when the thing you asked about isn't something the projection models.
Monte Carlo Success Rate
Run a thousand market histories against your plan and see how many it survives. Not just the average outcome — the median, the best tenth, and the worst tenth, so you can see what failure actually looks like and when it starts.
Roth Conversion Opportunity
Find the low-tax years before RMDs and Social Security reshape your income. Compare every bracket against converting nothing at all — and get a straight answer, including when that answer is 'don't convert'.
Tax Through Time
Your effective rate, your estimated liability, and your Medicare premium exposure, year by year, with the lifetime total broken down by where it came from. No surprises. Just a clear view of what's ahead.
State Income Tax
All fifty states and DC, with per-income-type treatment of Social Security, pensions and retirement-account withdrawals. It is a simplified model, and the projection says so on the page — where a state's rules can't be expressed, RetiFlo tells you rather than guessing.
Healthcare & Long-Term Care
Long-term care is one of the most significant financial risks in retirement. RetiFlo models it explicitly — eighteen months of assisted living, then eighteen of skilled nursing, priced against your state, and treated as the deductible medical expense it usually is.
Social Security Optimizer
Compare claiming strategies with lifetime-value calculations tailored to your timeline and your spouse's situation. One of the highest-leverage decisions in retirement planning.
Future Events
Life rarely runs in a straight line. Put the turns you expect on a dated timeline — a move to another state, a long-term-care episode, a divorce — and the plan carries them. The passing of a spouse it works out for itself, from the life expectancies you already set.
Cash flow projection · Free
Chance of success · Premium
The outcome
What you'll know — and why it matters
Confidence in retirement comes from specific answers, not vague reassurance.
- 1.
Your realistic retirement date — based on your actual numbers, not averages or rules of thumb
- 2.
How long your savings last across a range of market scenarios, including bad ones
- 3.
Your tax exposure year by year — bracket changes, RMD impacts, Social Security taxation
- 4.
Whether a Roth conversion makes sense — and if so, how much and when
- 5.
The optimal Social Security strategy for your timeline and household
- 6.
Where the highest-leverage decisions are in the next 3–5 years of your plan
Deciding · Free
Knowing where you stand is half of it.
The other half is deciding.
Most tools stop at the projection and leave you to work out what to do about it. RetiFlo gives you one lever at a time, run against your own numbers, with the cost of pulling it stated plainly.
§ I
One change at a time
Spend ten percent less. Take less market risk. Convert into a different bracket. Each one shows you the before and the after — ending balance, worst withdrawal rate, lifetime taxes, IRMAA — and names the expense lines it touched, down to the month.
§ II
Nothing saved until you keep it
A change adjusts how the projection is run, not what you told us you spend. Discard it and nothing happened. Keep it and it becomes your active plan — with thirty days to change your mind.
§ III
Test the fear, not just the plan
Replay 2008 against your plan, or the slower grind of the dot-com years. These are not changes to make — they are shocks to find out whether you would survive, and the numbers get worse, not better. That is the point.
And when you want to ask
The answer comes back from your plan, not from the internet — and when the projection does not model what you asked, it says so and points you at the setting that does. An assistant that tells you what it cannot do is worth more than one that guesses.
Tax intelligence · Roth is Premium
Sometimes the answer is: don't convert.
RetiFlo finds the window before RMDs change your bracket, then tries every bracket against converting nothing at all — and keeps whichever comes out ahead. On the plan below, nothing came out ahead, and it says so rather than selling you a conversion.
Lifetime tax
$258,691
Avg effective rate
4.9%
RMD tax, unreduced
$85,077
The tax page then shows what that costs: $258,691 over 28 years at a 4.9% effective rate, of which $85,077 is RMD tax on a traditional balance no conversion ever touched. That is the honest trade, laid out — not a recommendation dressed up as one. Figures are illustrative, from a sample plan.
Roth conversion strategy
The resulting tax picture
The advisor network
A steady hand when you want one
Knowledge covers a lot of ground. But sometimes you want to sit with a professional who understands your plan — not just a generic calculator. RetiFlo's advisor marketplace connects you with vetted financial planners who can already see your numbers before your first conversation.
No cold-start discovery calls · No re-entering your data · Your actual picture, from day one
Meet the advisor networkGetting started
How it works
From your first numbers to a complete retirement picture — and the confidence to act on it.
§ I
Map your full financial picture
Assets, income, expenses, debts, real estate, Social Security, pension, and healthcare. Takes about 20–30 minutes to set up completely. Update it whenever something changes — your plan updates instantly.
§ II
See the path ahead
Cash flow, Monte Carlo results, tax analysis, and 20+ wellness metrics are calculated from your numbers the moment you save. No waiting, no guessing — just your actual picture.
§ III
Try a change, keep what works
Pick one lever — spend less, de-risk, convert differently — and see the before and after against your own numbers. Nothing is saved until you keep it, and you have thirty days to undo it. When you want a human perspective, connect with an advisor who already knows your plan.
Pricing
Start free. Deepen when you're ready.
The core retirement analyses are free — no time limit, no credit card. Unlock the full picture when you want it.
Free tier
$0
forever · no card required
- Your quarterly check-in
- Try a Change — model a decision, keep or discard
- Cash flow projection
- Net worth tracking
- Savings trajectory
- Income vs. expenses view
- Account balance projections
- Tax liability (year by year)
- Healthcare & Medicare exposure
- Estate planning documents checklist
- Encrypted document storage — and a record of who has opened each one
- The Vitals — debt ratio, withdrawal rate, housing %, IRMAA, interest
- Budget vs. actual
- Data completeness check
- Ask about your plan, on almost any page
Premium
$99.99
/year
billed annually — cancel your renewal anytime
Everything in Free, plus:
- Monte Carlo chance of success
- Unlimited scenarios + What-If analysis
- Scenario comparisons
- Roth conversion opportunity finder
- Withdrawal strategy options
- Survivor income analysis
- Future events timeline (move, care, divorce)
- Social Security optimizer
- Debt payoff optimizer
- Advanced healthcare & long-term care modeling
- Pension lump sum analyzer
- Advanced cash flow
- Withdrawal sequencing — five strategies, four premium
- Advanced spending patterns
- PDF export
FAQ
Good questions
Your data is encrypted in transit and at rest. RetiFlo does not sell or share your financial information with third parties. You can delete your account and all associated data at any time.
RetiFlo models the same underlying math a financial planner uses — cash flow, tax brackets, RMD rules, Monte Carlo simulations. It does not replace a fiduciary relationship or provide investment advice. Many users find that RetiFlo lets them come to advisor conversations already knowing their numbers — so the conversation can focus on decisions, not data gathering. And when you want that conversation, our advisor network is built into the platform.
The basics: approximate account balances, income sources, and monthly expenses. You can add more detail over time — real estate, debts, pension details, healthcare costs. The more complete your picture, the more precise the projections. Most people get meaningful results within the first session.
Try a Change is free, and nothing it does is saved until you say so. Pick a lever — spend ten percent less, take less market risk, convert into a different bracket — and you get the before and after on your ending balance, your worst withdrawal rate and your lifetime tax bill, plus exactly which expense lines it touched. Keep it and it becomes your active plan, with thirty days to undo. Discard it and nothing happened. Premium adds saved scenarios and the What-If workbench, where you can hold several variations side by side.
It answers from your plan, which is the point — a generic chatbot could not tell you why 2053 is your worst year. What it does not receive is anything identifying: a redaction layer strips personal details before any question leaves the platform, and every answer names the scenario it drew on so you can check it. There is also a daily spend limit per user, so the feature cannot quietly run up cost against your account.
Get started
The calm comes from knowing.
Build your free plan today. See your full picture. And move forward with the confidence that comes from actually understanding where you stand.
Start for free — no credit card required