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.
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.
Monte Carlo Success Rate
Run thousands of market simulations and see the probability your savings hold through each one. Not just the average outcome — the full range of what retirement can bring.
Roth Conversion Opportunity
Find the low-tax years before RMDs and Social Security reshape your income. Convert deliberately, with the numbers to support every decision.
Tax & IRMAA Analysis
Understand your effective tax rate, estimated liability, and Medicare premium exposure year by year. No surprises. Just a clear view of what's ahead.
Healthcare & LTC Planning
Long-term care is one of the most significant financial risks in retirement. Model the costs and give them a place in your plan — rather than leaving them as an open question.
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.
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
Tax intelligence · Premium
Convert now. Pay less for the next 31 years.
RetiFlo identifies the window before RMDs change your bracket — and shows you exactly how much to convert each year to minimize your lifetime tax bill.
Lifetime savings
$41k
Avg effective rate
10%
Years to optimize
12
The tax liability page shows you the outcome: a lifetime tax burden of $101k at a 10% effective rate — controlled, deliberate, and predictable. The Roth strategy is the lever that makes it possible.
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
Navigate with knowledge — and support
Explore scenarios, adjust assumptions, and see the impact immediately. When you want a human perspective, connect with an advisor who already knows your plan.
Pricing
Start free. Deepen when you're ready.
14 analytics pages are free — no time limit, no credit card. Unlock the full picture when you want it.
Free tier
$0
forever · no card required
- Cash flow projection
- Net worth tracking
- Savings trajectory
- Income vs. expenses view
- Out-of-money date estimate
- Tax liability (year by year)
- IRMAA liability estimate
- Long-term care risk exposure
- Estate planning documents checklist
- Account balance projections
- Average withdrawal rate
- Housing expense percentage
- Total debt ratio
- Lifetime interest payments
Premium
$4.99
/month
$12.99/month — lock in before prices increase
or $49.90/year (~2 months free)
Everything in Free, plus:
- Unlimited scenarios + What-If analysis
- Plan comparisons across scenarios
- Monte Carlo chance of success
- Roth conversion opportunity finder
- Withdrawal strategy options
- Survivor income analysis
- Social Security optimizer
- Healthcare modeling (Medicare + LTC)
- Pension lump sum analyzer
- Tax-efficient withdrawal sequencing
- Debt payoff optimizer
- 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.
Your baseline plan reflects your current situation. Premium unlocks unlimited scenarios — variations where you adjust one or more assumptions (retire two years earlier, change your spending, model a Roth conversion strategy) and see how outcomes compare side by side. It's the closest thing to running every option at once.
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