Personal pricing

Start free.
Deepen when you're ready.

The core retirement analyses are free — no time limit, no credit card required. Unlock the full picture when you want it.

Free tier

$0

forever · no card required

Get started free

The core analyses, included

  • Your quarterly check-in
  • Chance of success
  • Cash flow projection
  • Net worth tracking
  • Savings trajectory
  • Income vs. expenses
  • Account balance projections
  • State income tax — A simplified graduated model — no local taxes, no AMT, and most state credits are not modelled.
  • Healthcare & Medicare
  • Estate planning documents checklist
  • The Vitals
  • Budget vs. actual
  • Try a Change
  • Data completeness check
  • Ask about your plan — 5 questions a day on the free tier, shared with the assistant panel.
14-day free trial

Premium

$99.99

/year

billed annually — cancel your renewal anytime

Start free, upgrade anytime

Everything in Free, plus:

  • Monte Carlo chance of success
  • What-If analysis
  • Scenario comparisons
  • Roth conversion opportunity finder
  • Withdrawal strategy options
  • Survivor income analysis
  • Future events timeline
  • Social Security optimizer
  • Debt payoff optimizer
  • Healthcare, Medicare and long-term care modelling
  • Pension lump sum analyzer
  • Advanced cash flow
  • Tax-efficient withdrawal sequencing
  • Giving strategy and qualified charitable distributions
  • Advanced spending patterns
  • PDF export and full report

Feature comparison

Everything, side by side.

Feature
Free
Premium

Analytics pages

Cash flow projection
Net worth tracking
Tax liability (year by year)
Healthcare & Medicare exposure
The Vitals — debt ratio, withdrawal rate, housing %, IRMAA, interest
Account balance projections
Estate planning documents
Ask about your plan (AI, grounded in your numbers)
Monte Carlo chance of success
Roth conversion opportunity
Withdrawal strategy options
Survivor income analysis
Advanced cash flow

Planning tools

Baseline scenario
Try a Change — model a decision, keep or discard
Budget vs. actual
Unlimited scenarios
What-If analysis
Scenario comparisons
Future events timeline
Social Security optimizer
Debt payoff optimizer
Pension lump sum analyzer
Withdrawal sequencing (five strategies, four premium)
Advanced spending patterns

Output & export

In-app analytics
Data completeness check
PDF export
Full report generation

Start with the free plan today.

See exactly what RetiFlo can do before you decide whether the premium tools are worth it. No pressure, no deadline.

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